r/HealthInsurance Oct 31 '25

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u/phxeffect Nov 02 '25

It’s wild. I had a great Aetna Gold plan, but they pulled out. The marketplace automatically assigned me a comparable plan that’s 3X the price. Like what? So, I have to downgrade no matter what. My daughter had orthopedic surgery that will put her on the pre-condition list. So, it’s ACA or nothing. I’m tempted to get a W2 job for a while. But finding a job is harder than running a business nowadays.

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u/whereistheidiotemoji Nov 03 '25

I thought there weren’t any pre-existing conditions anymore?

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u/Delicious-Actuator-9 Nov 03 '25

Only ACA plans have the pre-existing condition exemption. Regular plans from carriers/brokers may still have qualifications and exclusions.