Marketplace Health Plans and Premiums

Can I be charged more if I have a pre-existing health condition?

Published: Sep 29, 2025

Not if you’re buying a Marketplace plan. Marketplace plans are not allowed to charge you more based on your health status or pre-existing health condition.

Some plans that are sold off the Marketplace, such as short-term plans and health sharing ministries, can turn you down or charge you more based on your health status or pre-existing condition. Click here for information on what to look for if you’re considering shopping for a plan off the Marketplace.

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