Buying a Family Health Insurance Plan With a Pre-Existing Condition
When looking for a family health insurance plan, pre-existing conditions play a major role. If any member of your family has a pre-existing condition, your family health insurance rates will probably be higher than they would be otherwise. This is because health insurance companies are hedging against the possibility that your family will file a lot of expensive claims; therefore, your policy will not be profitable for them unless you pay higher premiums.
In some cases, your entire family will be rejected for family medical health insurance due to one person’s pre-existing condition. It may make more sense to buy a separate health insurance policy for that person and get family health insurance for everyone else.
