Zane Benefits Publishes New Information on the ACA’s Pre-existing Condition Exclusion

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As of 2014, Health Plans are Guaranteed-Issue Regardless of Health

Today, Zane Benefits, the #1 Online Health Benefits Solution, published new information on the ACA’s pre-existing condition exclusion.

According to Zane Benefits’ website, the Affordable Care Act’s pre-existing condition exclusion provision prohibits health insurers from denying coverage to individuals because of a pre-existing health condition. This provision is also referred to as "guaranteed-issue" because everyone - regardless of health conditions - is guaranteed to be issued health coverage.

According to Zane Benefits’ website, a pre-existing condition exclusion means health insurers and employers cannot limit, exclude, or deny coverage based on the fact that a health condition was present before the effective date of coverage (or if coverage is denied, the date of the denial). The provision applies to all group health plans and non-grandfathered individual health insurance plans.

Under the Affordable Care Act (ACA), pre-existing condition exclusions were eliminated for children (under age 19) beginning in September 2010. This provision of the ACA was expanded in 2014 to all enrollees.

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About Zane Benefits
Zane Benefits, the #1 Online Health Benefits Solution, was founded in 2006 to revolutionize the way employers provide employee health benefits in America. We empower employees to take control over their own healthcare, while helping employers recruit and retain the best talent. Our online solutions allow small and medium-sized businesses to successfully transition to a health benefits program that creates happier employees, reduces costs and frees up more time to serve their customers. For more information about ZaneHealth, visit

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Christina Merhar
Zane Benefits
+1 (800) 391-9209 Ext: 6725
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