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{{Globalize|1=article|2=United States|date=January 2020}}
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{{Use mdy dates|date=August 2022}}
In the context of [[healthcare in the United States]], a '''pre-existing condition''' is a [[medical condition]] that started before a person's [[health insurance]] went into effect. Before 2014, some insurance policies would not cover expenses due to pre-existing conditions. These exclusions by the [[insurance industry]] were meant to cope with [[adverse selection]] by potential customers. Such exclusions have been prohibited since January 1, 2014, by the [[Patient Protection and Affordable Care Act]].
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Which definition may be used was sometimes regulated by state laws. Some states required insurance companies to use the objective standard, while others required the prudent person standard. 10 states did not specify either definition, 21 required the "prudent person" standard, and 18 required the "objective" standard.<ref name="statehealthfacts"/>
According to the Kaiser Family Foundation, more than a quarter of adults below the age of 65 (approximately 52 million people) had pre-existing conditions in 2016.<ref name=":0">{{Cite news|url=https://www.npr.org/sections/health-shots/2018/10/11/656503264/fact-check-whos-right-about-protections-for-pre-existing-conditions|title=FACT CHECK: Who's Right About Protections For Pre-Existing Conditions?|work=NPR.org|access-date=
== Current U.S. federal regulation ==
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== Public opinion ==
A ''[[Time
In September 2009, the monthly [[Kaiser Family Foundation|Kaiser Health Tracking Poll]] report said:<ref name="KFF tracking poll" />
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== See also ==
* [[Pre-existing Condition Insurance Plan]]
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{{Reflist|30em|refs=
<ref name="Abt SRBI">{{cite web |date=July 29, 2009 |url=http://www.srbi.com/TimePoll4794_Final_%20Report.pdf |title=
<ref name="KFF tracking poll">{{cite web | date=September 29, 2009 |title=Kaiser Health Tracking Poll—September 2009: Public opinion on health care issues |url=http://www.kff.org/kaiserpolls/upload/7990.pdf |access-date=January 16, 2010 |location=Washington, D.C. |publisher=[[Kaiser Family Foundation]]}}</ref>
<ref name="UPMC">{{cite web|year=2010|url=http://www.upmc.com/HOSPITALSFACILITIES/FINANCIAL-SERVICES/Pages/billing-terminology.aspx|access-date=January 16, 2010|location=Pittsburgh|publisher=[[University of Pittsburgh Medical Center]] (UPMC)|title=Billing terminology|url-status=dead|archive-url=https://web.archive.org/web/20101003092545/http://www.upmc.com/HospitalsFacilities/financial-services/Pages/billing-terminology.aspx|archive-date=October 3, 2010}}</ref>
<ref name="jacobson">{{cite news |author=Jacobson, Louis |date=August 18, 2009 |title=Pregnancy a 'pre-existing condition'? Yes, for some |publisher=[[St. Petersburg Times|PolitiFact.com]] |url=http://www.politifact.com/truth-o-meter/article/2009/aug/18/pregnancy-pre-existing-condition/|access-date=January 17, 2010}}</ref>
<ref name="smith">{{cite web |author=Smith, Lisa |date=February 16, 2009 |title=Health insurance: paying for pre-existing conditions |publisher=[[Investopedia]]|url=http://www.investopedia.com/articles/pf/09/covering-medical-costs.asp |access-date=January 17, 2010}}</ref>
<ref name="statehealthfacts">{{cite web|url=https://www.kff.org/other/state-indicator/individual-market-portability-rules/|title=Individual Market Portability Rules (Not Applicable to HIPAA Eligible Individuals)|date=
<ref name="kassebaum-kennedy">{{cite journal |doi=10.1377/hlthaff.13.1.327 |author1=Gabel, Jon |author2=Liston, Derek |author3=Jensen, Gail |author4=Marsteller, Jill |date=Spring 1994 |title=The health insurance picture in 1993: some rare good news |journal=[[Health Affairs]] |volume=13 |issue=1 |pages=327–336 |url=http://content.healthaffairs.org/cgi/reprint/13/1/327.pdf |access-date=February 22, 2010 |pmid=8188152}}</ref>
<ref name="kassebaum-kennedy-2">{{cite web |author1=Kassebaum, Nancy Landon |author2=Kennedy, Edward M. |date=August 21, 1996 |title=Public Law 104-191. Health Insurance Portability and Accountability Act of 1996 (HIPAA) |location=Washington, D.C. |publisher=[[United States Government Printing Office|Government Printing Office]] |url=http://frwebgate.access.gpo.gov/cgi-bin/getdoc.cgi?dbname=104_cong_public_laws&docid=f:publ191.104.pdf |access-date=February 22, 2010|display-authors=etal}}</ref>
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<ref name="tchijov">{{cite web|author=Tchijov, Maria|url=http://www.seiu.org/2009/09/domestic-violence-victims-have-a-pre-existing-condition.php|title=Domestic violence is a 'pre-existing condition'?|work=SEIU Blog|publisher=[[Service Employees International Union]]|access-date=September 15, 2009|date=September 11, 2009|archive-url=https://web.archive.org/web/20090916025852/http://www.seiu.org/2009/09/domestic-violence-victims-have-a-pre-existing-condition.php|archive-date=September 16, 2009|url-status=dead}}</ref>
<ref name="chronicle">{{cite news|url=http://articles.sfgate.com/2009-11-17/news/17182067_1_health-care-health-insurance-pre-existing-medical-problem |newspaper=[[San Francisco Chronicle]]|date=November 17, 2009|access-date=January 16, 2010|title=Americans fear health law's costs poll finds|author1=Ricardo Alonso-Zaldivar|author2=Trevor Tompson}}{{dead link|date=May 2017}}</ref>
<ref name="alonso-zaldivar">{{cite news|url=http://articles.sfgate.com/2009-11-17/news/17182067_1_health-care-health-insurance-pre-existing-medical-problems|newspaper=[[San Francisco Chronicle]] |page=A118 |date=November 17, 2009|access-date=January 16, 2010|title=Americans fear health law's costs poll finds|author=Alonso-Zaldivar, Ricardo |author2=Tompson, Trevor |agency=Associated
<ref name="pledge">{{cite web|author=Suderman, Peter (opinion blog)|date=September 23, 2010|title=What the GOP's Pledge has in common with ObamaCare|work=Hit and Run|publisher=[[Reason (magazine)|Reason]]|url=http://reason.com/blog/2010/09/23/what-the-gops-pledge-has-in-co|access-date=September 23, 2010}}</ref>
<ref name="marketwatch">{{cite web|title=Text of President Obama's health-care speech |url=https://www.marketwatch.com/story/full-text-of-president-obamas-health-care-speech-2010-03-03 |access-date=
}}
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* {{cite web | author=Timm, Jane C. | title=Fact check: Trump claims GOP is protecting people with pre-existing conditions. Evidence says otherwise. | publisher=[[NBC News]] | date=October 23, 2018 | url=https://www.nbcnews.com/politics/elections/fact-check-trump-claims-gop-protecting-people-pre-existing-conditions-n923056 | access-date=March 8, 2019}}
* {{cite web | author=Pear, Robert | title=Democrats Unite to Begin Push to Protect Pre-Existing Condition Coverage | website=[[The New York Times]] | date=February 6, 2019 | url=https://www.nytimes.com/2019/02/06/us/politics/democrats-pre-existing-condition-coverage.html | access-date=March 8, 2019}}
* Lovelace, Berkeley Jr. & Breuninger, Kevin (September 24 2020). [https://www.cnbc.com/2020/09/24/trump-to-sign-executive-orders-on-preexisting-conditions-surprise-medical-billing.html "Trump to sign executive orders protecting preexisting conditions and seeking a way to prevent surprise medical bills"]. [[CNBC]].
[[Category:Health insurance in the United States]]
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