What if I have a pre-existing health condition?

The law requires health insurance companies to offer coverage to you regardless of any health conditions or pre-existing conditions.  Premiums will no longer be tied to your health or gender at application, but will be based on the following factors:

  • Household income and size (determines subsidy)
  • Smoker/Non Smoker
  • Geographical location

There will be no waiting periods or pre-existing conditions for coverage effective 1/1/2014 under the new law.