Q:

Does everyone who gets medical insurance need a health assessment?

A:

Quick Answer

An insurer can require individuals to fill out a health history questionnaire before allowing them to purchase insurance, according to the U.S. Department of Labor. However, insurers may not deny coverage or charge additional fees based on a health assessment.

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Full Answer

The Affordable Care Act requires insurers to provide insurance to Americans with pre-existing conditions and serious health problems, explains HealthCare.gov. The ACA also prevents insurers from charging customers with complicated health histories more than they would charge healthy customers of the same age for the same policy.

However, enrollment in ACA exchange plans is only permitted at certain times of the year. If an individual experiences a life event such as a marriage, a job change or loss, a move, or the birth of a child, he is able to purchase individual insurance outside of the open enrollment periods, according to HealthCare.gov.

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