Can a pre-existing condition keep someone from getting covered?
No. ACA-compliant plans can’t deny coverage, charge more, or exclude benefits because of a pre-existing condition, in either the individual or small-group market.
Pre-Existing Conditions
Under the ACA, plans cannot deny coverage, charge more, or exclude benefits because of a pre-existing condition. The protection applies to individual and group major medical coverage.
How do Essential Health Benefits help people with pre-existing conditions?
Because EHBs must be covered and the ACA bans health-based pricing and exclusions, people with pre-existing conditions get the same comprehensive coverage at the same rates as everyone else.