Federal guidance · Federal sources
Coverage for Pre-existing Conditions (Affordable Care Act) - HealthCare.gov
Edition and licensing notes
Publisher. U.S. Centers for Medicare & Medicaid Services (HealthCare.gov)
Status. Official U.S. government content, public domain.
What this document is
Coverage for Pre-existing Conditions (Affordable Care Act) - HealthCare.gov is a federal guidance published by U.S. Centers for Medicare & Medicaid Services (HealthCare.gov). It is one of the documents that insurance license exam questions are written from, including life & health practice questions. This page summarizes it and points to the official version, which is the text to rely on.
Sections cited in practice questions
Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.
- HealthCare.gov (Coverage for pre-existing conditions)
“No insurance plan can reject you, charge you more, or refuse to pay for essential health benefits for any condition you had before your coverage started. Once you're enrolled, the plan can't deny you coverage or raise your rates based only on your health.”
- HealthCare.gov: Coverage for pre-existing conditions (grandfathered plan exception)
“Exception: grandfathered plans don't have to cover pre-existing conditions. Grandfathered plans don't have to cover pre-existing conditions or preventive care.”
- HealthCare.gov: Coverage for pre-existing conditions (Medicaid and CHIP)
“Medicaid and the Children's Health Insurance Program (CHIP) also can't refuse to cover you or charge you more because of your pre-existing condition.”
- HealthCare.gov: Coverage for pre-existing conditions (pregnancy)
“Pregnancy is covered from the day your plan starts. If you're pregnant when you apply, an insurance plan can't reject you or charge you more because of your pregnancy.”
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