Can I Get Insurance If I Have a Health Condition?

Having a pre-existing health condition doesn’t mean you’ll never find insurance coverage. But it does mean your options may be limited.

The first thing to understand is that not all health conditions are equally severe. A chronic and serious condition is considered more severe than a condition that simply requires routine care.

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The second thing to understand is that each health insurance company has a different definition of “severe.” Some companies may think a particular illness is too risky to insure, while others will quote you a reasonable rate for coverage.

The third thing to understand is that medicine is advancing all the time, and people are living longer and healthier lives. This means that insurance companies are more willing than ever to take on customers with “risky” health conditions.

If you do have a pre-existing health condition, consider working with an agent. Professional insurance agents have a good sense of how the different companies “rate” health conditions, and they can steer you toward the plan most likely to accept you.

Get matched with multiple agents in your area for competitive health insurance quotes. You can also speak with an agent directly with our Click-To-Call service.

If you just want to see options, use our Instant Quote tool to view plans online. Or get matched with plans compatible with your budget using our Plan Finder.

All of our services are no risk, no obligation, and absolutely free.