In 2014, which action were insurance companies no longer allowed to take under the Healthcare Reform?

In 2014, the Affordable Care Act (ACA) implemented significant reforms to the health insurance market, fundamentally changing how insurance companies could interact with consumers. One of the most important provisions was the prohibition of denying coverage based on preexisting conditions. This means that adults could no longer be turned away from insurance plans because of health issues they had prior to applying for coverage.

Additionally, insurance companies were banned from charging higher premiums based on an individual's preexisting conditions. This was a critical step in ensuring that all individuals, regardless of their health status, could obtain health insurance at fair prices. Prior to the ACA, it was common for people with chronic illnesses or past medical issues to face increased rates or outright denial of coverage.

So, both actions—denying coverage to adults and charging higher premiums due to preexisting conditions—were prohibited under the ACA starting in 2014. The reform aimed to create a more equitable healthcare system where individuals would not be discriminated against due to their health history, thereby enhancing access to health services for everyone.