Under the Affordable Care Act, which type of plan can insurers deny health coverage due to pre-existing conditions?

The Affordable Care Act (ACA) was designed to ensure that individuals cannot be denied health coverage due to pre-existing conditions, promoting greater access to necessary healthcare services. However, grandfathered plans are a specific category of health insurance that were in existence before the ACA was enacted and have not made significant changes to their benefits or coverage.

These grandfathered plans can maintain certain pre-ACA rules, including the ability to deny coverage based on pre-existing conditions. This means that individuals enrolled in these plans might still face exclusions for medical conditions that existed prior to their enrollment. Other types of plans, such as individual health insurance and those under Medicaid, must comply with the stricter requirements of the ACA, which prohibit denial of coverage based on medical history. Thus, the correct answer is that insurers can deny health coverage for pre-existing conditions under grandfathered plans due to their unique status under the regulations established when the ACA was implemented.