US Medical Term · insurance
Preexisting Condition
Condición preexistente
In 9 languages
| Language | Term |
|---|---|
| English | Preexisting Condition |
| Spanish (Español) | Condición preexistente |
| Chinese (中文) | 既往病症 |
| Korean (한국어) | 기존 질환 |
| Vietnamese (Tiếng Việt) | Bệnh lý từ trước |
| Filipino (Tagalog) | Preexisting condition |
| Portuguese (Português) | Condição preexistente |
| Thai (ภาษาไทย) | โรคที่มีอยู่ก่อน |
| Japanese (日本語) | 既往症 |
What it means
A preexisting condition is a health problem, illness, or injury you had before the start date of your current health insurance coverage — such as diabetes, cancer, asthma, or heart disease. Under the Affordable Care Act (ACA), health plans sold in the individual market and group market cannot deny coverage, charge higher premiums, or impose waiting periods based on preexisting conditions. This protection applies to all ACA-compliant plans, including Marketplace plans. However, some short-term health plans and grandfathered plans are exempt from this rule. Always verify whether a plan is ACA-compliant if you have a preexisting condition.
How to say it
Sentences a patient might use with a doctor, nurse, pharmacist, or insurer:
Can my insurance plan deny me coverage because of my preexisting condition?
¿Puede mi plan de seguro negarme cobertura por mi condición preexistente?
Is my diabetes considered a preexisting condition under the ACA?
¿Mi diabetes se considera una condición preexistente bajo la ACA?
Will a short-term health plan cover my preexisting condition?
¿Un plan de salud a corto plazo cubrirá mi condición preexistente?
Where you'll see it
Related terms
Sources
Last reviewed: September 2026