The following list details the amount of time that insurers consider for pre-existing conditions prior to applying for health insurance. Each state has a different maximum look-back period, which is important to know before you buy health insurance in your state. As the definition of pre-existing condition varies from company to company and region to region, it is difficult to know what they might consider a condition, but if you have had an illness or condition that meets their criteria during the look-back period, you may be subject to getting denied for health insurance, or having insanely high premiums.
Find your state and make sure you know how long the time frame is prior to applying for health insurance so you are informed and aren’t too startled when your prescription acne cream from five years ago causes your premiums to escalate. Make sure also to read the list of pre-existing conditions we have compiled to have a better idea of what to expect when you apply for your health plan. We want you to make the most informed decision possible and avoid any surprises so you can get adequate coverage for you and your family.