The Ban on Preexisting Condition Exclusions Helps Older Adults

Most Americans get their health insurance through their employer or through government-sponsored programs like Medicare or Medicaid. People who do not have access to those forms of coverage — for instance, because they are between jobs or are self-employed — typically buy health insurance directly from private insurers on the individual market. Since 2014, the Affordable Care Act (ACA) has provided a critical protection for individuals who seek insurance in this market: It bans insurance companies from considering people’s health …

Got Health Problems? Now You Can Get insurance Online

By Phil Galewitz, for Kaiser Health News. This KHN story was produced in collaboration with McClatchy. Denise Marshall of Sonoma, Calif., was diagnosed with non-Hodgkin’s lymphoma in 2011 and a year later, lost her toy company job along with her health insurance benefits. The good news is that her disease was caught early and she is now in remission. The bad news was her cancer diagnosis made it impossible to buy coverage because insurers thought she was too high a health …