7. No denial of coverage based on pre-existing conditions.

In 2010, Obamacare made it illegal for insurance companies to deny coverage to children under the age of 19 based on a pre-existing condition. In 2014, insurance companies cannot refuse to sell coverage or renew policies to anyone based on a pre-existing condition.

Read the Law.

SEC. 2705 [42 U.S.C. 300gg–4]. PROHIBITING DISCRIMINATION AGAINST INDIVIDUAL PARTICIPANTS AND BENE- FICIARIES BASED ON HEALTH STATUS.

‘‘(a) IN GENERAL.—A group health plan and a health insurance issuer offering group or individual health insurance coverage may not establish rules for eligibility (including continued eligibility) of any individual to enroll under the terms of the plan or coverage based on any of the following health status-related factors in relation to the individual or a dependent of the individual:

‘‘(1) Health status.

‘‘(2) Medical condition (including both physical and mental illnesses).

‘‘(3) Claims experience.

‘‘(4) Receipt of health care.

‘‘(5) Medical history.

‘‘(6) Genetic information.

‘‘(7) Evidence of insurability (including conditions arising out of acts of domestic violence).

‘‘(8) Disability.

‘‘(9) Any other health status-related factor determined appropriate by the Secretary.


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