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Pre-existing condition exclusions prohibited for children under age 19; Reform delayed for 4 years: effective January 1, 2014 Individual and group health insurance plans Pre-existing condition exclusions prohibited in all health insurance plans; Prohibit treating acts of domestic violence as a pre-existing condition
About one in four people have pre-existing conditions that made it difficult for them to get health insurance prior to President Obama's health care law.
Members of the Pre-Existing Condition Insurance Program, who were given a one-month extension until the end of April 2014. [87] [88] Those who have successfully applied for exemption status based on criteria published by HealthCare.gov, who are not required to pay a tax penalty if they don't enroll in a health insurance plan. [89] [90]
In 2019 Gallup found that 25% of U.S. adults said they or a family member had delayed treatment for a serious medical condition during the year because of cost, up from 12% in 2003 and 19% in 2015. For any condition, 33% reported delaying treatment, up from 24% in 2003 and 31% in 2015. [24] Coverage gaps also occur among the insured population.
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Best Types of Life Insurance for Pre-Existing Conditions According to the Centers for Medicare and Medicaid Services, pre-existing conditions could affect up to 50% of Americans.