pre-existing condition exclusions

Pre-existing condition exclusions refer to limitations placed by health insurance companies on coverage for medical issues that existed before you enrolled in a new health plan. For example, if you have diabetes before getting a new policy, the insurer may not cover treatments related to that condition for a certain period or at all. This practice can make it difficult for individuals with existing health issues to obtain affordable and comprehensive health care, as they may face higher costs or be denied coverage for necessary treatments. However, regulations such as the Affordable Care Act have reduced these exclusions in many cases.