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The cost of your health insurance plan could be affected by age and tobacco use, but you will not be declined for an individual health insurance plan due to pre-existing conditions.

If you decide to stay with Original Medicare, you might be able to sign up for a Medicare Supplement (Medigap) plan to help pay for Original Medicare's out-of-pocket costs. Different Medigap plans pay for different amounts of those costs, such as copayments, coinsurance, and deductibles. All plans cover Medicare Part A hospital coinsurance costs at 100%. Beyond this one benefit, the plans vary on what they cover with some plans being more comprehensive than others. Medicare Supplement plans sold today don't cover prescription drugs, and you can't use them with Medicare Advantage plans.

With group health insurance plans, premium costs are typically shared between employer and employees who chose to be covered under the health insurance plan. Tax incentives meant for small businesses may be available to you if you offer group health insurance to your employees.

This flexible health insurance option can offer you coverage for any period between 30 days and 12 months, depending on the short-term health insurance plan, and the where you live.

Short-term health insurance plans do not satisfy the requirements of the ACA, and they do take pre-existing conditions into account for new applicants. The type of services covered with this health insurance are usually limited to major medical emergencies, such as serious illness or injury. Preventative care is usually not included in short-term health insurance plans.