The 1996 HIPAA (Health Insurance Portability and Accountability Act) made it law that you cannot be denied group health insurance for a pre-existing medical condition
However, there are conditions upon which you can be denied health insurance that have nothing to do with your health.
This can happen if you fail to meet your employer’s requirements, including not being a permanent employee, not being a full-time employee, or not having completed your probationary period.
When it comes to private insurance, however, you can be denied coverage due to pre-existing health conditions as the insurer sees fit.
If you’ve been denied health insurance, you can look into coverage under high-risk pools if your state participates. To find out whether your state offers high risk health insurance pools, contact the offices of your local government for more information.
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