Will a Preexisting Condition Affect My Chances of a Low-Cost Health Plan?

If you have a pre-existing medical condition and you aren’t eligible for an employer sponsored group health plan, finding an affordable health plan won’t be easy, but you will have a few options.

Here Are a Few Options You May Want to Look Into:

• Find an "assigned risk" or "open enrollment" health plan. These plans are usually available to anyone, but you may have a waiting period before one will begin to cover your pre-existing condition.
• Find a PPO Discount Plan. PPO discount plans offer coverage for pre-existing medical conditions and best of all, they’re available to just about anyone. They aren’t true insurance plans, but they will help reduce your out-of-pocket costs.
• Find out if you’re eligible for a Health Savings or Health Reimbursement Account (HSA or HRA). Like the discount plans above, these aren’t actually insurance policies. They are designed to cover pre-existing medical conditions but your benefits may be limited to amounts defined by your employer. HSA Accounts are sometimes combined with PPO Discount Plan in order to cover the out of pocket portion of the bills that aren’t paid by the discount plan.