Can I get ACA coverage if I have a pre-existing condition?
Yes. The ACA prohibits insurance companies from denying coverage or charging more based on pre-existing conditions.
Who this applies to
It turns on your circumstances, not a general rule: where you are, what is already in place, and the dates involved.
Local context for Statewide Florida
The Florida marketplace includes Florida Blue, Ambetter from Sunshine Health, Molina Healthcare, Aetna CVS Health, Oscar Health, UnitedHealthcare, and Cigna. Florida has the highest number of ACA marketplace enrollees in the nation, with over 4.5 million Floridians relying on HealthCare.gov for their health coverage. The Inflation Reduction Act extended enhanced premium tax credits, limiting the premium contribution to a percentage of household income. A licensed Florida health insurance agent can help you determine your exact subsidy eligibility. Outside of Open Enrollment, you can qualify for a Special Enrollment Period if you lose employer coverage, get married, have a baby, move to a new county, or experience other qualifying life events.
Florida Health Insurance Web provides Medicare Advantage, Medicare Supplement (Medigap), ACA Marketplace Plans, Final Expense Insurance, Small Group Health Insurance, Medicare Part D across Statewide Florida.
Related questions
Florida Health Insurance Web — Compare your plan options
Compare your plan options