10 Must Know Insurance Options That Offer Great Value Before the Affordable Care Act, health insurance companies could deny coverage or charge inflated rates for those with pre-existing conditions. Now, however, most ACA-compliant plans will cover pre-existing conditions with no limitations. You'll want to check the specifics of your plan to make sure it covers the medical needs of you and your family. You'll also want to make sure that your preferred doctors, specialists and hospitals are included in the plan's provider network.