Month: November 2025

If you or someone you care about is suffering from an illness in Post Falls, ID or a nearby city, you can still find health insurance to cover the medical bills. Fortunately, there are laws that prevent insurance companies from denying coverage to people with pre-existing health conditions. These protections were put into place through the Affordable Care Act (ACA). Learn more from the professionals at Infinity Insurance Group. 

Here’s How You’re Covered By This Law

• No matter your health status, health insurance companies cannot deny you coverage. 
• You can’t be charged higher premiums due to your medical history. You won’t be penalized if you’re already sick. If you use tobacco, this can count against you, but otherwise premiums are determined by your age and where you live. 
• Providers can’t refuse to take insurance payments from your provider due to your current illness. 
• ACA-compliant health insurance plans have to cover a bare minimum of essential health benefits, including hospitalization, maternity care, and prescriptions, without any limitations.

These rules apply to most health plans, including those offered through the state marketplace (including Idaho’s) and most employer-sponsored plans. 

You can talk to a qualified health insurance agent today to get coverage for someone you love struggling with an illness. Whether it’s cancer, diabetes, a neurodegenerative disease, fibromyalgia, or any other illness, they still can get coverage. Due to the ACA, no one can be turned down, no matter how sick they currently are. 

Call Infinity Insurance Group, serving Post Falls, ID and the surrounding area to get answers to questions about health insurance for those you care for who are sick.