[Health Insurance] 13, Common Exclusions and Limitations

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The primary purpose of exclusions is to manage risk, prevent adverse selection, and maintain affordable premiums. - Under the ACA, pre-existing conditions cannot be excluded or charged higher premiums in compliant health plans. - A waiting period for employer-sponsored health benefits cannot exceed 90 days from the date of eligibility. - Injuries s...