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When will health insurance companies not be able to deny coverage?
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Health insurance companies will not be able to deny coverage under certain circumstances. The Affordable Care Act (ACA), also known as Obamacare, introduced several provisions to protect consumers from being denied coverage based on pre-existing conditions. Since the ACA was enacted in 2010, health insurance companies are prohibited from denying coverage or charging higher premiums based on pre-existing conditions. This means that individuals with pre-existing conditions cannot be denied coverage or charged more for their health insurance plans. Additionally, the ACA also established the Health Insurance Marketplace, where individuals can compare and purchase health insurance plans. The Marketplace provides a platform for individuals to find affordable coverage options, regardless of their health status. It's important to note that while the ACA provides these protections, there may still be certain limitations and restrictions on coverage. It's always recommended to review the specific terms and conditions of your health insurance plan to understand the coverage details and any potential limitations. Overall, health insurance companies are not able to deny coverage based on pre-existing conditions due to the provisions of the Affordable Care Act.
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