ACA offers fresh start to those with pre-existing conditions

By Anna Carrera

Published 09/30 2013 06:56PM

Updated 09/30 2013 06:59PM

CHAMPAIGN -- The healthcare marketplace is primarily aimed at people who are uninsured. It means, part-timers, small business employees and the self-employed. It also brings options to those whose employment-based coverage is too expensive or incomplete.

But, one of the big changes is offering coverage for people with pre-existing conditions. They will get a fresh start with the new healthcare program.

Insurance companies can't turn you down or charge you more than someone else. That's news millions of people in the country are happy to hear.

Some of them already have health insurance like Michael Cox, of Tolono. He's traveled around for the military and lived in a few different states doing factory work.

Along the way, he's developed a few different pre-existing conditions like issues with his pancreas. Even though he has coverage, it's not exactly affordable.

Cox says he's been looking into different options, but he's still not sure which plan to pick. He says it's important to find someone you can trust to help you sort through the information and help make a decision.

There is one exception; grandfathered individual health insurance plans. If you bought a plan by yourself, instead of through your employer, they don't have to cover pre-existing conditions, but you can still switch to a different one in the marketplace to get coverage.

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