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Health Care Reform:

Health Insurance & Affordable Care Act

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Pre-existing condition

A pre-existing condition is a health problem you had before joining a health plan. It can be a chronic disease like diabetes. Or it can be an ongoing problem from a past injury. Some health plans call pregnancy a pre-existing condition, for example.

Under the Affordable Care Act, health plans cannot refuse coverage because you have a pre-existing health condition. You also cannot be charged more for insurance than someone who doesn't have a health problem.

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