Trying to sign up for health insurance used to be like retelling your life story.  If you had had a medical diagnosis for anything remotely out of the ordinary, insurers could charge more or deny coverage altogether – and they often did.

 

Women: That’s right, insurance used to be more expensive for women than men.  Not only that, but if a man or woman disclosed any intent to start a family on an insurance application, that application could have been denied.

Police officers: Police officers and firefighters could be denied coverage based on their high-risk of injury. Some other occupations where denials were common included: stunt doubles, test pilots, and circus employees, according to the Washington Post.

The sick: Diagnoses that could lead to ongoing treatment often meant a denial of coverage, including:

  • Asthma
  • Allergies
  • Depression
  • High blood pressure
  • High cholesterol
  • Diabetes
  • Heart disease

 

Can I be denied health insurance now? Obamacare changed many of the rules in the health insurance industry.  Under the health care law, insurance fraud is the only reason an application can be denied anymore. In addition, insurers no longer can place annual or lifetime caps on the dollar amount they will contribute towards your medical services. After all, Nerdwallet estimated three out of five personal bankruptcies in the United States were due to medical bills in 2013. 

 

Have questions?  Head to your local Liberty Tax office.  You can also call our ACA Hotline at 1-800-673-8600.

 

-- By Alice Robeson