Health Insurance for People With Pre-Existing Conditions: What’s Changed?

Understanding Your Health Insurance Options in 2025 and How Devin McHazlett Can Help You Navigate Them with Confidence

Health insurance has changed dramatically over the past decade, and if you have a pre-existing condition, those changes are especially important. For years, people with chronic health issues were denied coverage, charged higher premiums, or forced into plans that didn’t truly meet their needs.

Fast forward to 2025, and the landscape looks very different.

Whether you’re managing a chronic illness, mental health condition, pregnancy, or recovery from a major health event, you now have more choices than ever before. The challenge is knowing how to navigate those options, avoid costly mistakes, and find a plan that works for your lifestyle and budget.

At GetErDone Insurance, we help individuals, families, and small business owners across Texas and beyond find private health insurance plans that actually fit. In this article, you’ll learn what’s changed for people with pre-existing conditions, how 2025 policies have evolved, and how to make a confident, informed decision about your coverage.

What Is a Pre-Existing Condition?

A pre-existing condition is any health condition that was diagnosed, treated, or had symptoms before your new coverage began. These can include chronic, physical, or mental health conditions such as:

• Diabetes or pre-diabetes

• High blood pressure

• Asthma or bronchitis

• Heart disease

• Cancer

• Autoimmune disorders

• Anxiety, depression, or PTSD

• Pregnancy or fertility issues

Even prior surgeries or ongoing injuries that need follow-up care can count as pre-existing. In the past, these labels came with major coverage barriers. But today, that’s changed for the better.

The ACA Still Protects You in 2025

You cannot be denied health coverage because of a pre-existing condition.

This protection, established under the Affordable Care Act (ACA), still applies in 2025. Health insurance companies cannot deny coverage, raise rates, or exclude treatment because of your medical history.

Here’s what that means for you:

• You can’t be turned down based on your health history.

• Your premium won’t increase due to a medical condition.

• You’re guaranteed coverage for ongoing treatment and prescriptions.

This applies to both Marketplace plans and private insurance options that meet ACA standards including those offered through GetErDone Insurance.

2025 Trends: Better Coverage and More Support

Health insurance plans in 2025 offer expanded benefits and smarter tools for managing long-term health needs.

1. Chronic Care Management Is Now Built In

Many plans include chronic condition management tools such as:

• Personal care coordinators

• Free or discounted health monitors (like glucose meters)

• Telehealth check-ins at no extra cost

These additions make it easier to stay healthy and avoid unnecessary costs.

2. Mental Health Gets Equal Priority

Mental health care is now covered at the same level as physical care. That means:

• Therapy and counseling are included in most plans

• Virtual visits are available nationwide

• Preventive screenings are part of annual checkups

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3. More Preventive Services at No Cost

Preventive care is now free under most plans, including:

• Annual wellness exams

• Screenings for blood pressure, cholesterol, and diabetes

• Cancer screenings like mammograms or colonoscopies

These services help you stay proactive with your health and lower long-term costs.

What About the Cost?

Your premiums won’t rise just because you have a pre-existing condition—but not all plans are created equal. The key is comparing deductibles, prescription coverage, and out-of-pocket limits.

That’s where Devin McHazlett and GetErDone Insurance can help. We:

• Compare plan benefits side by side

• Find coverage with better prescription or specialist access

• Maximize available tax credits or subsidies

Even if you don’t qualify for Marketplace plans, private coverage may offer stronger benefits and more flexibility.

If You Already Have Coverage

It’s important to review your plan each year, especially if:

• You’re limited to a small provider network

• Prescription costs are too high

• You’ve had surprise bills for covered services

Insurance carriers update plans every year. 2025 may offer better value and lower out-of-pocket costs than what you currently have. Let GetErDone Insurance help you compare your current plan with new options before you renew.

Employer Plans Aren’t Always the Best Option

Employer coverage isn’t always your best financial or medical fit. Private plans can often offer:

• Lower deductibles

• Broader specialist networks

• More flexibility for chronic or mental health care

If your employer’s plan is considered unaffordable, you may even qualify for subsidies. Devin McHazlett can help you compare both options and make the best decision for your household.

Take Control of Your Coverage in 2025

Health insurance for people with pre-existing conditions has come a long way. With new protections, smarter plan designs, and more flexible private coverage, you can finally find a plan that truly fits your needs.

At GetErDone Insurance, we help individuals and families across Texas find coverage that offers peace of mind, not confusion. Whether you’re switching from employer coverage or buying your first private plan, we’ll make the process simple, affordable, and personal.

Want more health insurance insights?✅ Visit www.GetErDoneHealth.com✅ Follow Devin McHazlett on Facebook for updates✅ Or book a free consultation today to explore your best options.

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