Common Reasons for Being Declined for Health Insurance

Denial of health insurance coverage is a frustrating and all-too common event. Many people are declined for health insurance coverage due to circumstances out of their control. Certain conditions and situations can make it very difficult to purchase health insurance.

Pre-Existing Conditions

• The most common reason for being denied health insurance is the presence of pre-existing medical conditions that require expensive medications or health care. Conditions such as diabetes, asthma, heart disease or even allergies are often automatic reasons for denial of health insurance coverage.

Past Conditions

• Health conditions you have suffered in the past--even if you are no longer sick or in treatment for these conditions--can also result in denial of health insurance coverage. Cancer survivors, for instance, can find it difficult to purchase a policy until 10 years or more have passed since they completed treatment.

Past Denials

• Being denied coverage in the past is another reason health insurers cite for denial of coverage. If another company has denied you health insurance in the past due to, for example, a medical condition you no longer have, you may still find yourself unable to purchase health insurance.