Health Savings Accounts & Pre-Ex Conditions

	Individual & Family Health Insurance
	Small Business Health Insurance

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Pre-Existing Condition Exclusions and HSAs

HSA-compatible health insurance plans contain the same pre-existing condition provisions present in other health insurance plans.

Most individual plans will apply the pre-existing condition exclusion -- whatever your previous health insurance history.  Employer-sponsored plans follow the dictates of HIPAA, waiving the pre-existing condition exclusion waiting period based on prior continuous health insurance coverage.

Insurance Underwriting Requirements

Unless coverage is provided through an employer-sponsored benefits program, your HSA-compatible health insurance will be subject to normal insurance company underwriting requirements.

If ongoing medical circumstances have prevented you from obtaining traditional medical insurance, you are unlikely to get a better outcome in applying for an HSA-compatible high deductible health plan.

HSAs Help with Insurance Transitions

What if you're subject to a new health plan's pre-existing condition exclusion?  If you've previously established an HSA, you've reduced your financial risk.

You can use pre-tax HSA funds to pay qualified expenses that are not reimbursed by your new health insurance company.  This includes medical expenses attributable to any pre-existing condition.

With an HSA, you have a tax-advantaged health care funding tool that will provide financial cushion in many health insurance transition scenarios -- including payment of COBRA premiums and the purchase of other health insurance while you're receiving unemployment compensation.