As of January 1, 2014 all major medical insurance plans, both individual and group, can no longer have any exclusions, limitations or waiting periods for pre-existing health conditions. So, from that perspective it is not a matter of which health insurance accepts pre-existing conditions. Any health insurance plan in compliance with the Affordable Care Act has to.
Now, there are Short Term Major Medical policies and some limited benefit and/or indemnity type policies out there that can still apply underwriting and can limit or exclude pre-existing conditions but these are not major medical health insurance plans that meet the requirements of the Affordable Care Act (ACA). In some instances people are marketing these types of products as a low cost alternative to ACA compliant health insurance plans. They provide you with some degree of financial protection but they will not shield you from the Individual Mandate tax penalty or provide you with comprehensive coverage. If you are offered a policy that does not cover pre-existing conditions that is a red flag that someone is trying to sell you a non-compliant policy - BUYER BEWARE.
That is a great question! As the law currently stands, no major medical health plan can limit you because of a pre-existing condition. I'd strongly advise you to get a policy under the Affordable Care Act (Obamacare) exchange site, ( www.healthcare.gov )and see what policies there might work for you, and take advantage of whatever discounts might be available for you. There's pretty strong talk about the new Congress wanting to reverse most of the advantages that the 99% might enjoy. Thanks for asking!
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Now, there are Short Term Major Medical policies and some limited benefit and/or indemnity type policies out there that can still apply underwriting and can limit or exclude pre-existing conditions but these are not major medical health insurance plans that meet the requirements of the Affordable Care Act (ACA). In some instances people are marketing these types of products as a low cost alternative to ACA compliant health insurance plans. They provide you with some degree of financial protection but they will not shield you from the Individual Mandate tax penalty or provide you with comprehensive coverage. If you are offered a policy that does not cover pre-existing conditions that is a red flag that someone is trying to sell you a non-compliant policy - BUYER BEWARE.