If you have a major chronic condition, you’re not alone. Nearly 130 million Americans have at least one chronic disease, and over 40% of Americans have two or more conditions. The good news is that healthcare plans available through the marketplace cannot discriminate against individuals with pre-existing conditions or charge higher premiums than they would for someone without a health condition.

What Are Grandfathered Plans?

However, some health insurance plans started on or before March 23, 2010, that are exempt from following these rules. These plans are known as "grandfathered plans" because they were established before the passage of the Affordable Care Act (ACA). If you enrolled in one of these plans before March 23, 2010, your insurer may increase your premiums or even cancel your policy due to a pre-existing medical condition. Additionally, if your health insurance is provided by your employer and the employer purchases coverage from a grandfathered plan, you may need to seek separate coverage for a pre-existing condition.

Understanding Coverage Limitations

It’s also important to note that not all healthcare plans cover every health condition. Carefully review your plan to understand what is and isn’t covered. In some cases, you may need to switch to a new plan or purchase additional coverage to ensure you receive the healthcare you need at a cost you can afford.

Contact Fortress Insurance Agency for Assistance

At Fortress Insurance Agency in Overland Park, KS, we have years of experience helping residents find and purchase insurance policies tailored to their needs. Contact us today to learn more about our policies and policy bundles, or to request a price quote. We’re happy to answer your questions and provide personalized assistance to help you secure the proper coverage.