Everyone qualifies for medical insurance. Under the health care reform laws that took effect in 2014, plans such as government-sponsored (Medicare or Medicaid) or private health care plans purchased through the Health Insurance Marketplace cannot deny coverage to people with pre-existing conditions or disabilities.
Individuals who are not covered by an employer or school group plan, for example, may be eligible for Medicaid or another government plan if their income falls below a certain threshold. If they are not eligible for government medical assistance, then they may be eligible for a subsidy through the Marketplace by way of a tax credit that can be used to offset the cost of medical insurance. Both financially and medically, everyone qualifies to obtain some type of medical insurance.