The Affordable Care Act, and most replacement bills proposed over the last year, protects you from this type of discrimination. Health insurers can't deny you

The Affordable Care Act, and most replacement bills proposed over the last year, protects you from this type of discrimination. Health insurers can't deny you coverage or raise prices due to any pre-existing health condition. By law, an insurer has to offer the same rate to everybody with the same age, zip code, and smoking status. Insurers are allowed to rebate up to 30% of your premiums if you take healthy actions (e.g., going for a run, joining a weight loss program, medication adherence), as long as those actions don't discriminate based on health status.