What Is a Pre-existing Condition?

A pre-existing condition is any health condition that you had before you applied for health insurance. This includes any chronic conditions, such as heart disease, diabetes, or cancer, as well as any acute conditions, such as a broken bone or a cold.

Some pre-existing conditions may be covered by your health insurance, but you may have to pay a higher premium or meet a higher deductible. In some cases, you may not be able to get coverage for pre-existing conditions at all.

If you have a pre-existing condition, it's important to disclose it to your health insurance company when you apply for coverage. This will help to avoid any problems with your coverage later on.

Here are some tips for getting health insurance with a pre-existing condition:

* Shop around for the best coverage. Different health insurance companies have different policies regarding pre-existing conditions. It's important to compare plans to find one that offers the coverage you need at a price you can afford.

* Consider getting a high-deductible health plan. High-deductible health plans (HDHPs) often have lower premiums than other types of health insurance plans. This can make them a good option for people with pre-existing conditions who don't expect to have a lot of medical expenses.

* Look into state-sponsored health insurance programs. Some states offer health insurance programs for people with pre-existing conditions. These programs may be more affordable than private health insurance plans.

* Get help from a health insurance agent. A health insurance agent can help you compare plans and find the best coverage for your needs.

If you have a pre-existing condition, don't give up on getting health insurance. There are several resources available to help you find affordable coverage that meets your needs.