Pre-Existing Health Conditions in Tennessee

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What if I have a pre-existing condition?

Health Insurance Pre-existing Conditions

Great news! If you currently suffer from an existing medical condition, marketplace health insurance plans won’t be able to refuse to cover you or charge you more because you have a pre-existing health condition. Even if you have been refused coverage due to a pre-existing condition in the past, you will no longer be refused coverage relating to the treatment of that ailment. We always strongly recommend reviewing any plan you are considering with a licensed health insurance agent, but especially if you are considering coverage for a pre-existing condition. You are still required to pay deductibles, and choosing a wrong plan or one outside of your doctor’s network could cause unseen costs.

Grandfathered Individual Health Insurance Plans and Pre-existing Conditions

The only exception is for grandfathered individual health insurance plans–the kind you buy yourself, not through an employer. They do not have to cover pre-existing conditions. If you have one of these plans you can switch to a Marketplace plan during open enrollment and immediately get coverage for your pre-existing conditions. Or if you have had a qualifying life change you can see if you qualify for a Special Enrollment Period. If you have a pre-existing condition and you have questions, please feel free to contact one of our health insurance Agents in TN.

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At we have been serving Tennesseans in West, Middle and East Tennessee for years. We’ve currently serve over 15,000 Tennesseans with all aspects of their health insurance needs. Can’t get out to see an agent? No problem We have trustworthy Local Tennessee Agents, in house, from all surrounding areas of Tennessee. Our agents can connect with you in minutes or meet with you in as little as 24 hours. Thank you for the chance to serve you and your families Health and Medicare needs!

This website is operated by Continental Health Alliance, LLC DBA and is not the Health Insurance Marketplace website. In offering this website, is required to comply with all applicable federal laws, including the standards established under 45 CFR 155.220(c) and (d) and standards established under 45 CFR 155.260 to protect the privacy and security of personally identifiable information. This website may not display all data on Qualified Health Plans being offered in your state through the Health Insurance Marketplace website. To see all available data on Qualified Health Plan options in your state, go to the Health Insurance Marketplace website at
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