Health Insurance and Pre-existing Conditions

I am shopping for private health insurance for myself and my husband. I do have some pre-existing conditions and need to know how these will affect my eligibility and the cost of the insurance.

Answer:

Yes on both counts: pre-existing conditions can both affect your eligibility and the cost of insurance. However, in most cases, what you will find is that any pre-existing condition will be excluded from coverage, which can mean significant health costs to you.

Having said that, you should be able to find coverage.

You may have to check out your state's high risk health insurance options (some states have their own high risk pools). You should check with your department of insurance. They should be able to give you some help in finding coverage.

MLA

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