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Can You Get Health Insurance if You Have Cancer?

health insurance with preexisting conditions

Do you have cancer and want to know if you can obtain health insurance with this pre-existing condition? The answer is yes. Cancer coverage does exist, and it’s an important example of how the Affordable Care Act expands health insurance coverage. 

The Affordable Care Act and Cancer

Plans that follow the Affordable Care Act’s guidelines in the United States cannot deny you health insurance or discriminate against you based on your chronic health condition, including cancer. As a result, even if you are a cancer patient, your health insurance company will not be able to cancel your coverage. They are also not permitted to charge you any additional fees for your plan.  

The Affordable Care Act also made two significant changes to healthcare reforms that benefit individuals who need extensive medical treatment. First, it eliminated lifetime and annual dollar limits on the amount of care an individual can receive. Second, it set up a maximum yearly limit on healthcare costs that individuals need to pay out-of-pocket. (This will be $8,700 in 2022; keep in mind that this does not include your health insurance premiums.) 

This is particularly encouraging for cancer patients who receive intensive care and routine medical treatments. This may also apply to cancer survivors concerned about their ability to afford treatment if they come out of remission. To learn more, download our free step-by-step guide to enrolling in Marketplace health insurance here. 

Understanding the cancer coverage in your insurance plan

Every health insurance plan differs in terms of how it covers cancer-related coverage. If you are receiving cancer treatment, make sure you are familiar with your health plan. Have you enrolled in Obamacare health insurance and been diagnosed with cancer? Unsure of how to make the most of your specific insurance policy? You can contact our licensed insurance agent at +1 855-913-1570 to find out more. 

Before enlisting in a program, please make sure that it complies with the Affordable Care Act. Otherwise, it will not be mandated to provide these consumer protections. You can also search for health plans through InsuranceShopping, call a service agent at +1 855-913-1570, or put in your postal code here to see what’s available in your area. 

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