Pre-Existing Conditions
Your Health History Can't Be Used Against You.
Under the Affordable Care Act, insurance companies cannot deny you coverage or charge you more because of a pre-existing condition. Full stop.
Your rights under the ACA
You Are Protected. Here's How.
No Denials
Insurers cannot reject your application based on any pre-existing condition.
No Premium Penalties
Your monthly premium cannot be higher just because of your health history.
No Waiting Periods
Your condition is covered from day one — no waiting periods for pre-existing conditions on ACA plans.
Continuous Coverage
Switch plans without fear of losing coverage for your ongoing conditions.
Covered conditions include
Diabetes, heart disease, cancer history, asthma, depression, anxiety, high blood pressure, HIV, pregnancy, and past surgeries
Do I need to disclose my medical history when applying?
ACA plans don't require a medical exam or detailed health questionnaire. You won't be penalized for anything in your history.
Will my medications be covered right away?
Yes — all Marketplace plans cover prescription drugs from day one, including medications for chronic conditions.
What if I've been rejected before?
Past rejections from non-ACA plans don't affect your eligibility. ACA Marketplace plans are open to everyone during enrollment periods.
I'm currently uninsured and have a condition — can I enroll now?
If you qualify for a Special Enrollment Period (due to a life event like job loss), yes. Call us and we'll check your eligibility immediately.
© Fusion Health Insurance 2026 All Rights Reserved.