Short-Term and Other Policies Sold Outside of the Marketplace

Can a short-term policy turn me down if I have a pre-existing condition?

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Yes.  In general, the application for short-term policies will ask questions about your current health status and your health history.  Depending on your answers, if you have or have had a pre-existing condition you might be turned down or charged more.  How short-term policies treat you also depends on where you live.  A few states have passed laws to prohibit short-term policies from discriminating based on health status.

While we have made every effort to provide accurate information in these FAQs, people should contact the health insurance Marketplace or Medicaid agency in their state for guidance on their specific circumstances.

The Henry J. Kaiser Family Foundation Headquarters: 185 Berry St., Suite 2000, San Francisco, CA 94107 | Phone 650-854-9400
Washington Offices and Barbara Jordan Conference Center: 1330 G Street, NW, Washington, DC 20005 | Phone 202-347-5270 | Email Alerts: | |

Filling the need for trusted information on national health issues, the Kaiser Family Foundation is a nonprofit organization based in San Francisco, California.