Covered California and ACA related questions from consumers, employers and agents are answered by Phil Daigle with the best information available at the time. Archived entries may no longer be accurate as the ACA and Covered California knowledge-base is evolving quickly. TO REQUEST A PERSONAL RESPONSE INCLUDE EMAIL ADDRESS.

Will All Pre-Existing Conditions Go Away on 1/1/2014?

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Question: I pay 20% more because I have a preexisting condition. If I decide to keep my current plan into 2014, will they take off the extra premium in January?

Answer: No. If you choose to keep your current plan until the renewal date rather than enrolling in an ACA-compliant plan during the open enrollment period, your plan will continue to have pre-existing condition rating until its renewal date.

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If it’s a non-grandfathered plan, most of the carriers are going to roll them into a new plan on 01/01/2014 and the rate up will go away.



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