Health Insurance for Entrepreneurs: Avoiding Pre-Existing Condition Pitfalls
Blake Terry
?? Health Insurance Expert | Providing Health Insurance Solutions to Self Employed & Small Business Owners |?? Saving Families & Businesses Money on Health Insurance | ?? Schedule a free consultation today!
Understanding Pre-Existing Conditions
Table of Contents
?? Section 1: Introduction – The Truth About Pre-Existing Conditions & Health Insurance
As a licensed health insurance agent and agency owner, I’ve worked with hundreds of entrepreneurs struggling to find the right coverage—especially those with pre-existing conditions. Many of my clients come to me frustrated and confused, unsure of which plans will accept them, which will deny them, and how much they’ll end up paying.
I often hear:
?? “I thought all insurance plans had to cover pre-existing conditions?” ?? “My friend got denied—does that mean I will too?” ?? “Do I need to worry about a waiting period?”
These are valid concerns. And unfortunately, the wrong decision can lead to denied claims, expensive medical bills, or no coverage at all.
I created this guide to clear up the confusion and help self-employed individuals and small business owners confidently choose a plan that works for them.
By the end of this guide, you’ll:
? Know exactly what counts as a pre-existing condition ? Understand which health plans cover them—and which don’t ? Learn how to find affordable, high-quality insurance
Let’s dive in!
?? Section 2: The Myths – Common Misconceptions About Pre-Existing Conditions
Many entrepreneurs and self-employed individuals believe outdated or misleading information about pre-existing conditions. Let’s set the record straight.
?? Myth #1: All Health Insurance Plans Must Cover Pre-Existing Conditions
? Reality: Not all plans are required to cover them.
?? Takeaway: If you are healthy, an underwritten plan can be a safe and cost-effective choice. If you already have serious conditions, an ACA plan is the safest option.
?? Myth #2: If You Had a Condition Years Ago, It Doesn’t Count Anymore
? Reality: The type of plan determines if and when they look at your health history.
?? Takeaway: Underwritten plans lock in approval, making them safer than short-term or sharing ministry plans.
?? Myth #3: If You Don’t Disclose a Pre-Existing Condition, The Insurer Won’t Find Out
? Reality: Insurance companies can check your medical records.
?? Takeaway: Always be honest when applying for coverage.
?? Myth #4: If You Have a Pre-Existing Condition, You Have No Affordable Options
? Reality: There are great options available, even with pre-existing conditions.
?? Takeaway: If you’re healthy or have a well-managed condition, underwritten plans can save you up to 60% compared to ACA plans.
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?? Section 3: The Mechanics – Understanding Pre-Existing Conditions & Coverage
?? What Counts as a Pre-Existing Condition?
A pre-existing condition is any health issue diagnosed or treated before applying for insurance.
Common examples include:
? Chronic illnesses: Diabetes, asthma, heart disease
? Past surgeries: Knee replacements, transplants
? Mental health disorders: Anxiety, depression
? Cancer survivors: Depending on remission time
?? Section 4: Maintenance – Choosing the Right Plan & Avoiding Costly Mistakes
?? The Most Important Factor: A Guarantee That Claims Will Be Paid
Having health insurance is only valuable if it actually pays your claims.
To protect yourself financially, you need a regulated insurance plan with an unlimited benefit—which means: ? ACA plans (Obamacare) ? Underwritten health plans (for healthy individuals)
? Short-term, health-sharing ministries, and indemnity plans may cover some bills, but they do not guarantee full financial protection.
?? Access to the Best Healthcare Providers Matters
Many people focus on "in-network" doctors, but what matters most is access to the best care when you need it.
With more access, you can: ? Go out of state to a specialty hospital or facility for advanced treatment. ? See multiple specialists for second opinions before making major medical decisions. ? Get treatment from the top doctors in the country rather than being limited to a small network.
?? Section 5: Troubleshooting – FAQs for Entrepreneurs
?? What if I can’t afford an ACA plan? ? Consider underwritten plans, which are up to 60% cheaper than non-subsidized ACA plans.
?? Can an insurance company deny me? ? Yes for short-term, health-sharing, and indemnity plans. ? No for ACA-compliant plans.
?? Section 6: Conclusion – Take Control of Your Health Coverage
As an entrepreneur, you deserve health insurance that works for you. Now that you understand:
? What qualifies as a pre-existing condition
? Which plans cover them (and which don’t)
? How to find affordable, quality coverage
…it’s time to take action!
?? Need expert guidance? Let’s chat! Schedule a free consultation today.
?? Call us at 682-268-0520
?? Visit My Website:https://terryfamilyinsurance.com/
?? Schedule a FREE Consultation:https://tidycal.com/blake-terry
Have a great day!
Blake Terry
Terry Family Insurance