Q: Is there any chance I will be turned down for coverage by a health insurance exchange?
A: The main idea behind health care reform law was to remove the barriers to insurance coverage for most Americans who remained uninsured because of pre-existing conditions or issues of cost.
The law removes most of those barriers, so not only can a health insurance exchange plan not turn you down because of a pre-existing condition, it also won’t exclude pre-existing conditions from your coverage or charge you higher premiums based on your medical history. Most of the protections take effect in 2014, though. The law includes a Patients’ Bill of Rights that helps consumers in a number of ways, such as:
- Prohibiting insurers from rescinding your coverage because of an unintentional mistake on an application
- Banning insurers from setting lifetime limits on your coverage
- Ensuring you can choose the primary care doctor you want from your plan’s list
- Allowing children under 26 to remain or be added to their parents’ policy