How do preexisting conditions affect premiums?
Depending on the type and severity of the condition, they can affect premium costs from zero to 67 percent for group health insurance. Individuals may have conditions that cause 1) a “decline” of acceptance or 2) exclusion riders for that condition for a period of time. Texas has a “risk pool” that accepts individuals with health problems, therefore an insurance company can refuse to accept or put a rider on the policy. We will be happy to answer any specific questions you may have regarding pre-existing conditions.
