 [ Symptoms ] are insurers still able to deny coverage to individuals because of pre existing conditions [ Disease ] unfortunately the answer to this question is yes as of right now if you apply for insurance on the private market as opposed to getting it through your job insurance companies will look into your medical history and can deny you coverage based on what they find in some instances you may be extended a plan in spite of a pre existing health condition but will be charged more for it as of january 2014 however the affordable care act the health reform law will prohibit insurers from denying anyone coverage on the basis of their medical history in addition carriers will not be allowed to charge people different rates for health insurance because of their health status or gender if you have shopped for health insurance on the private market and have been denied coverage do not give up just yet some minor health issues think well controlled asthma migraines etc but not diabetes or heart disease however will not be declined by every insurance company