 [ Symptoms ] if because of a pre existing condition available insurance is out of my financial reach what do i do [ Disease ] under the law insurers can no longer deny coverage to anyone because of a pre existing health condition or charge you more for coverage because of the state of your health so your pre existing health condition should no longer come into play however that does not mean insurance will be inexpensive many people those earning less than about 46 000 per year or families of four making about 94 000 will qualify for financial help to pay for health coverage check out webmd is cost calculator to get a sense of how much insurance is likely to cost you