Pre-existing conditions

Health insurance companies must provide people with coverage even if they've had health problems (often called pre-existing conditions) in the past.

This is also true for dependents covered under your plan. And, you won't be charged more. The amount you pay each month is the same for people without pre-existing conditions.

Health reform makes it possible for people with serious health conditions to get insurance. And all qualified health plans include coverage for recommended preventive care services to help people maintain their health and keep any conditions under control. This approach can help avoid more problems in the long run.