All major medical health insurance plans are policies that individuals must medically qualify for. As a result, pre-existing medical conditions can influence the carrier’s decision whether or not to approve your policy. Pre-existing conditions are any medical conditions that existed prior to the time an individual applies or enrolls for a health insurance plan. The important thing to understand when looking to acquire health insurance is that every carrier will underwrite conditions in a different way. For example, some carriers may increase your premium for a particular condition, where as others may decide not to cover the condition at all. Similarly, just because one carrier declines a health insurance application doesn’t mean that you can’t acquire health insurance through another insurance company.