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Coverage for pre-existing conditions

Essential health benefits for pre-existing medical conditions are covered under all Marketplace plans.

  • No insurer can reject you, charge you more, or refuse to pay for essential health benefits for any medical condition you had before your coverage started.
  • This includes pregnancy. If you get pregnant and then enroll in a Marketplace plan during Open Enrollment or with a Special Enrollment Period, care for your pregnancy and childbirth is covered when your new plan begins.
  • Learn more about coverage for pre-existing conditions.
  • If you have a baby or adopt a child, you qualify for a Special Enrollment Period. This lets you to enroll in or change coverage outside the annual Open Enrollment period. Your new or changed coverage can start from the date of the birth or adoption, even if you apply for the coverage up to 60 days after the event.
    • Learn more about Special Enrollment Periods.
    • Learn more about coverage for pregnancy and childbirth under the health care law.
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