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Covered California Q&A

Covered California and Obamacare 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 Covered California and Obamacare knowledge-base is evolving quickly. TO REQUEST A PERSONAL RESPONSE INCLUDE EMAIL ADDRESS.


Pre-Existing Conditions Outside Covered California?

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Question: If I leave Covered California and buy health insurance elsewhere, can that company ask about pre-existing conditions and charge me more based on my answers?

Answer: No. The Affordable Care Act regulates all health insurance plans whether they are administered by the exchange or not. Coverage is guaranteed regardless of health. Rates are determined only by age and zip code.

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