Having Had COVID-19 Could have Led to a Health Insurance Denial in the Past

Before the ACA insurers could deny you coverage or charge you more for having a preexisting condition like COVID-19. Today you can’t be denied coverage or charged more due to a preexisting condition on any insurance that has to comply with ACA rules. However you can still be charged more or denied for short term coverage AND if the ACA rules are ever loosened, it could leave room for this to happen in major medical plans as well.

Past repeal and replace attempts for the ACA have sought to loosen restrictions on preexisting conditions, although there was always some sort of protection in them (like the ability to keep a plan if you never dropped it), the reality of things is that under looser rules people could find themselves not being able to get covered over something like having COVID-19 in the past and part of keeping the ACA around is ensuring this isn’t the case again.

Learn more about preexisting conditions protections.

Author: Thomas DeMichele

Thomas DeMichele is the head writer and founder of ObamaCareFacts.com, FactsOnMedicare.com, and other websites. He has been in the health insurance and healthcare information field since 2012. ObamaCareFacts.com is a...

Leave a comment

We'll never share your email with anyone else.

This site uses Akismet to reduce spam. Learn how your comment data is processed.

ObamaCareFacts is a free informational site. It's privately owned, and is not owned, operated, or endorsed by the US federal government or state governments. Our contributors have over a decade of experience writing about health insurance. However, we do not offer professional official legal, tax, or medical advice. See: Legal Information and Cookie Policy. For more on our company, learn About ObamaCareFacts.com or Contact us.