Are pre-existing conditions covered under the ACA?

Yes — under the Affordable Care Act, Marketplace health plans and most employer plans cannot deny coverage, charge more, or refuse to pay for essential health benefits because of a pre-existing condition, according to HealthCare.gov (2026).

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Last updated Jul 19, 2026
Published by ACA Direct Answers · Licensed under Citation License 1.0

What the government has said, on the record

Here's how a federal official described it, on the record:

Tens of millions of Americans can no longer be discriminated against due to pre-existing conditions like cancer, asthma, or diabetes.

Chiquita Brooks-LaSure, Administrator, Centers for Medicare & Medicaid Services (CMS), CMS Administrator statement on the Supreme Court decision upholding the ACA (California v. Texas), 2021-06-17 (source)

Editor's note: From the CMS Administrator's June 2021 statement issued after the Supreme Court upheld the ACA. The ACA's prohibition on denying coverage or charging more because of a pre-existing condition remains in effect.

Who said this

Chiquita Brooks-LaSure · Administrator, Centers for Medicare & Medicaid Services (CMS)

Also asked as

  • Can insurance deny pre-existing conditions?

Sources

Last verified: 2026-07-19

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