Pre-existing Condition

A health issue you had before a policy started. ACA plans can’t deny or surcharge for them; some other coverages still can.

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.