What does the ACA provide for all members regarding pre-existing conditions?

• A. Coverage cannot be denied or charged higher due to pre-existing conditions
• B. Pre-existing conditions must be declared but can be charged higher
• C. Coverage is denied for pre-existing conditions
• D. Only applies to children

Answer: (A)

The idea being tested is that the ACA ensures access to health insurance regardless of health history. Under the law, health plans cannot deny coverage to someone or charge them higher premiums because of a pre-existing condition. This guarantee is known as guaranteed issue and prevents health underwriting based on health status. It applies to all members, not just children, so a pre-existing condition won’t bar you from getting coverage or raise your rates simply because you’re sick or have a past condition. In short, coverage cannot be denied or priced higher because of pre-existing conditions.