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Individual insurance is coverage that an individual purchases for himself and/or his family. Coverage may be limited to pre-existing conditions.

There are times when pre-existing conditions are covered depending on the severity of the condition.. Don’t stop looking for Individual plans completely if you have a pre-existing condition., The insurance carrier may exclude the condition and may still grant you coverage.  Of course if you have HIV or Cancer, then it’s a different story!

Note! As of March 23,2010, Health plans can no longer exclude, limit or deny coverage to a child under age 19 solely on the basis of pre-existing condition.