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).
More on this topic: affordable care act
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