In the past, individuals with pre-existing conditions often faced discrimination when trying to obtain health insurance. Thankfully, the Affordable Care Act (ACA) has changed the game, ensuring that everyone has access to comprehensive coverage regardless of their medical history. Here’s what Florida residents need to know about pre-existing conditions and health insurance in 2025.
What Are Pre-existing Conditions?
Pre-existing conditions are health issues that existed before the start of a new health insurance policy. These can include chronic illnesses like diabetes, asthma, cancer, or even pregnancy. Before the ACA, insurers could deny coverage or charge higher premiums for these conditions.
Legal Protections Under the ACA
The ACA prohibits health insurance companies from:
- Denying coverage due to pre-existing conditions
- Charging higher premiums based on health history
- Limiting benefits for specific conditions
This means that whether you have a chronic illness or recently recovered from a major medical issue, you’re entitled to the same coverage options as anyone else.
How This Impacts Florida Residents
Florida has one of the highest rates of individuals with pre-existing conditions. Thanks to the ACA, these residents can now access affordable, quality healthcare without fear of discrimination. This is particularly important for families, seniors, and individuals with chronic illnesses.
Let’s Protect Your Health
If you’re concerned about how your pre-existing condition affects your health coverage, we’re here to help. Contact First Direct Insurance to learn more about your options and secure the coverage you deserve. Get started today!
