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Can I still get coverage if I have a preexisting condition?

Since the Affordable Care Act (ACA) was passed in 2010, everyone can get a health plan now, no matter what their health history is. Preexisting conditions will no longer apply for qualified health plans issued under the ACA.

You can buy one of the health plans, even if you are sick or have had health problems in the past. Everyone who applies for health insurance can get coverage. Once you have a health plan, your coverage cannot be canceled if you have a health problem. If you use tobacco, you’ll pay more for your health plan.

When can I sign up for a health plan?

If you get coverage through your employer, you’ll sign up for coverage as a new employee and then make changes during their yearly Open Enrollment period. If you’re not sure when your company’s Open Enrollment is, get in touch with someone in Human Resources.

Each year, from November 1 through January 15, you can shop for plans during open enrollment. This is the only time all year you can buy plans for the upcoming year unless you have certain life events like:

  • Losing other coverage
  • Getting married
  • Moving
  • Having a baby or
  • Your income is near the federal poverty level and changes frequently

Any of these situations may make you eligible for a special enrollment period. To find out more, click here.

When does coverage start?

If you didn’t make a payment when you applied for coverage, you’ll need to make your payment in full before your coverage will start. Look for a payment letter and a bill in the mail.

It takes up to 10 days to process your payment. If your payment is still processing when your coverage takes effect and you need care right away, there will be a few extra steps to verify your payment and coverage first.


You can pay with a credit card, a debit card or by electronic funds transfer (EFT). Follow the prompts and select the option ‘Make a Payment.’

You’ll need:

  • Member Number
  • Social Security Number
  • Zip Code
  • Birthdate
  • Bank or credit card information
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