Inadequate Coverage for Pre-Existing Conditions
Pre-existing conditions, such as asthma, diabetes, or heart conditions, can make it difficult for children to obtain health insurance coverage. This leaves children vulnerable to gaps in care or high healthcare costs. Before the implementation of the Affordable Care Act (ACA), children with pre-existing conditions were often denied coverage, charged higher premiums, or faced annual or lifetime coverage limits. Some insurance plans still exclude certain conditions or place limits on coverage. Additionally, inadequate coverage for pre-existing conditions can have serious consequences for children, including delays in diagnosis and treatment, financial strain on families, and barriers to accessing necessary care.