Can You Get Health Insurance With Pre-Existing Conditions? Your 2025 Guide

Yes, you can get health insurance with pre-existing conditions. Let Aura Insure help you find the right coverage.

Getting health insurance with pre-existing conditions might seem challenging, but here's the good news: Yes, you absolutely can get coverage! Thanks to the Affordable Care Act (ACA), insurance companies must cover your pre-existing conditions. Let's break down everything you need to know about securing the right health insurance plan in 2025.

Quick Answer: Yes, You Can Get Coverage!

Key points to remember:

• Insurance companies cannot deny you coverage

• You can't be charged more for pre-existing conditions

• Coverage starts immediately with no waiting period

• All ACA marketplace plans must cover pre-existing conditions

Understanding Your Rights in 2025

Under current health insurance laws:

• No medical underwriting required

• No health questionnaires needed

• Equal premium rates regardless of health status

• Guaranteed coverage for essential health benefits

Steps to Get Health Insurance With Pre-Existing Conditions

1. Gather Your Medical Information

2. Review Available Plans in Your Area

3. Compare Coverage Options

4. Check for Provider Networks

5. Apply for Financial Assistance

6. Enroll in Your Chosen Plan

   
   

How Much Will Coverage Cost?

Factors affecting your premium:

• Age

• Location

• Plan category

• Income (for subsidy eligibility)

• Tobacco use

"Ready to find affordable health insurance that covers your pre-existing conditions? Get your free quote today! Call 855-723-4727 or click here to start."

Frequently Asked Questions

Q: Do I need to disclose my pre-existing conditions when applying?

A: While you should be honest about your medical history, pre-existing conditions won't affect your ability to get coverage or your premium costs under ACA-compliant plans.

Q: When can I enroll in health insurance?

A: You can enroll during Open Enrollment (November 1 - January 15) or during Special Enrollment Periods if you qualify due to life events like moving or losing other coverage.

Q: Will my medications be covered?

A: Yes, ACA marketplace plans include prescription drug coverage. Each plan has its own formulary (drug list) that details coverage and costs.

Q: Can I keep my current doctors?

A: We'll help you find plans that include your preferred healthcare providers in their network to ensure continuity of care.