Yes, under the provisions of the Affordable Care Act (ObamaCare), major medical health insurance policies issued on or after January 1, 2014 cannot deny a person coverage and must cover any pre-existing health conditions immediately. This applies to both the individual and the group heath insurance markets. Therefore, height/weight tables can no longer be used for underwriting a policy and a person cannot be declined for coverage for being obese.
To be clear on this matter, the provisions I have described above apply to individual and group major medical policies. Short Term Medical policies are not subject to the provisions of the Affordable Care Act and these policies often have a screening question regarding the weight of the applicant and in the case of these specialty policies an applicant could be declined for coverage if they are obese.
.JPG){kind=avatar}
To be clear on this matter, the provisions I have described above apply to individual and group major medical policies. Short Term Medical policies are not subject to the provisions of the Affordable Care Act and these policies often have a screening question regarding the weight of the applicant and in the case of these specialty policies an applicant could be declined for coverage if they are obese.