What is a pre-existing condition?

A pre-existing condition is an illness, injury, or medical condition that exists prior to enrolling in a health insurance plan. In Alabama, health insurance companies cannot deny coverage for, or charge higher premiums for, pre-existing conditions. However, a pre-existing condition can affect how much you pay for health insurance and what services are covered by your insurance plan. Pre-existing conditions are usually defined by the health insurance company and can range from physical conditions such as cancer or diabetes to mental disorders such as depression or anxiety. The Affordable Care Act (ACA) also requires insurance companies to cover pre-existing conditions, meaning that insurance companies can no longer deny or increase premiums because of pre-existing conditions. As a result, Alabama residents can be assured of the availability of health insurance coverage for pre-existing conditions without fear of discrimination from insurance companies.

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