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Pre-existing condition exclusions were prohibited for HIPAA-eligible individuals (those with 18 months continuous coverage unbroken for no more than 63 days and coming from a group health insurance plan). Individual (non-group) health insurance plans could exclude maternity coverage for a pre-existing condition of pregnancy. [2]
From pregnancy to diabetes -- you won't be denied coverage if you have a pre-existing condition, but your coverage could get a lot more expensive. Pre-existing conditions: How 130 million ...
Adults with existing conditions became eligible to join a temporary high-risk pool, which will be superseded by the health care exchange in 2014. [4] [18] To qualify for coverage, applicants must have a pre-existing health condition and have been uninsured for at least the past six months. [19] There is no age requirement. [19]
Insurers are required to offer ten essential health benefits Pre-existing conditions: Insurers are banned from denying coverage or charging more for pre-existing conditions [146] Each state can allow insurers to increase premiums based on pre-existing conditions after a lapse in coverage, if the state sets up a high-risk pool [145] [148]
About one in four people have pre-existing conditions that made it difficult for them to get health insurance prior to President Obama's health care law.
In July the Pre-Existing Condition Insurance Plan (PCIP) took effect to offer insurance to those who had been denied coverage by private insurance companies because of a pre-existing conditions. Despite estimates of up to 700,000 enrollees, at a cost of approximately $13,000/enrollee, only 56,257 enrolled at a $28,994 cost per enrollee. [15]
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