Glossary · Marketplace
What is a pre-existing condition?
A pre-existing condition is a health problem, like asthma, diabetes, or cancer, that you had before new coverage starts. HealthCare.gov says insurers cannot refuse to cover treatment for it or charge you more.
Definition and figures from HealthCare.gov glossary, checked October 23, 2026. This page explains the term; it does not recommend a plan.
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Pre-existing condition: the facts
| Item | Fact | Source |
|---|---|---|
| ACA rule | Insurers cannot refuse to cover it or charge more for it | HealthCare.gov glossary: Pre-existing condition |
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What does pre-existing condition mean in health insurance?
A pre-existing condition is a health problem, like asthma, diabetes, or cancer, that you had before new coverage starts. HealthCare.gov says insurers cannot refuse to cover treatment for it or charge you more.