Text: MARYLAND CITIZENS' HEALTH INITIATIVE
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Text: Working to win quality, affordable health care for all Marylanders

I have a pre-existing condition

Health reform stops the insurance company tricks that allow them to deny health insurance to Marylanders with pre-existing conditions.

2010

  • An interim high-risk pool will provide immediate access to insurance for Marylanders who for at least 6 months have not been able to get coverage because of a pre-existing condition. This pool will operate until 2014 when the full health reforms come online.
  • Lower income Marylanders will be eligible for subsidies to help them purchase coverage through the high-risk pool
  • This interim high-risk pool has consumer protections to ensure you get quality insurance.
  • Insurers cannot discriminate against children based on pre-existing conditions.

2014

  • Insurers cannot discriminate against anyone based on pre-existing conditions
  • Premiums will no longer be based on health status
  • Shop for and compare affordable plans on a new online marketplace called an Exchange