08/15/2026
"Pre-existing condition" two words that cause a lot of unnecessary worry. 💭
Here's the truth about how it actually affects your coverage:
✅ ACA Marketplace Plans — can't deny you or charge more for a pre-existing condition
✅ Medicare — accepts you regardless of health history once you're eligible
✅ Medigap — guaranteed issue during your enrollment window
✅ Life Insurance — may mean higher premiums, but options still exist
Having a health history doesn't mean you're uninsurable. It means we find the plan that's actually built for you.
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