How Your Past Can Affect Health Insurance Approval

A Grandfathered Plan Can Deny Coverage Based On Pre-Existing Conditions

A plan purchased in America before March 2010 is grandfathered in under the Affordable Care Act. That is, someone can still be denied for a renewal of this plan if they have a pre-existing condition. Any new conditions will usually result in a rise in the premiums, not a denial.

Americans have been denied renewals from grandfathered plans; if these people wanted to apply for a new plan, they could not be denied based on pre-existing conditions. However, their premiums will likely be much higher under their new insurance plan.