Can an insurance company refuse to sell me health insurance if I am diagnosed with COVID-19?

FAQ Answer

During the standard open enrollment period, or if you have a special enrollment period for a health benefit plan, you cannot be denied coverage that qualifies as a health benefit plan under the Affordable Care Act. Being diagnosed with COVID-19 would not qualify for a special enrollment period. If you are applying for a short-term medical plan, hospital indemnity plan or other health insurance that is not a health benefit plan under the Affordable Care Act, the insurer can refuse to sell you insurance if you do not meet their underwriting guidelines.

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