<\/a><\/p>\n Insurers will often utilize a number of strategies to reduce the cost of covering enrollees with pre-existing conditions<\/strong>, or medical conditions and health problems that were present before the individual enrolled in a health plan. One of those strategies, the pre-existing condition exclusion, allows insurers the refusal of any cost associated with care for a pre-existing condition<\/strong> permanently or over a period of time.<\/p>\n (Related: Legal and Financial Resources for People with Alzheimer\u2019s Disease<\/a>)<\/p>\n Retroactive January 1, 2014, insurers in the individual and group markets will be restricted from imposing pre-existing conditions<\/strong> under the Affordable Care Act<\/a>. This new fact sheet provides an overview of how pre-existing condition exclusions are regulated under current law, and how the ACA<\/strong> will change those regulations in 2014, allowing customers to access necessary benefits and services beginning from their first day of coverage.<\/p>\n Take some time and read the Fact Sheet below.<\/p>\n