• Description

As Congress considers changes to the Affordable Care Act (ACA), a key issue will be ensuring that people with preexisting health conditions have access to affordable health insurance coverage. The ACA protects individuals with preexisting conditions by prohibiting insurance companies from considering people's health when they apply for coverage. Without these protections, four out of 10 adults ages 50 to 64—or about 25 million people in this age group—could be denied health coverage because of a preexisting condition if they sought to buy an individual plan. Our study found that 40 percent of Americans between the ages of 50 and 64—or about 25 million people in this age group—have a health condition that would leave them uninsurable in the individual market under pre-ACA medical underwriting practices.