six months
In California, group health plans can limit or exclude coverage for pre-existing conditions for adults (age 19 and older) for up to six months from the date coverage begins.

What are Declinable pre-existing conditions?

Declinable Pre-existing Conditions Declinable conditions included AIDS/HIV, congestive heart failure, diabetes, epilepsy, severe obesity, pregnancy, and severe mental disorders. Obviously, not all of these 54 million adults buy individual health insurance coverage now.

Do you have to have a pre-existing condition to have health insurance?

All Marketplace plans must cover treatment for pre-existing medical conditions. No insurance plan can reject you, charge you more, or refuse to pay for essential health benefits for any condition you had before your coverage started. Once you’re enrolled, the plan can’t deny you coverage or raise your rates based only on your health.

Can a company refuse to cover you because of a pre-existing condition?

Under current law, health insurance companies can’t refuse to cover you or charge you more just because you have a “pre-existing condition” — that is, a health problem you had before the date that new health coverage starts. These rules went into effect for plan years beginning on or after January 1, 2014. What This Means for You

What does a pre-existing condition exclusion period mean?

Pre-Existing Condition Exclusion Period is a health insurance provision that limits or excludes benefits for a period of time for a prior medical condition. Health insurance is a type of insurance coverage that pays for medical and surgical expenses that are incurred by the insured.

How did pre-existing conditions work before Obamacare?

Prior to Obamacare, insurance companies could reject people for any number of pre-existing health conditions and people had to instead enroll in a pre-existing condition insurance plan (PCIP) — a health program specifically for individuals who had been rejected on the basis of a medical condition.