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Insurance companies usually only re-price their coverage annually. This means if one becomes ill, and is covered by a health insurance policy, and that illness will continue and be subject to a re-priced policy that person may find that their insurance premiums have increased to an amount they might not be able to afford. However, some states have rules and regulations which can limit price increases on certain types of health insurance coverage.

All group health plans in U.S. must limit exclusion of pre-existing conditions. There are rules about what counts as a pre-existing condition and how long you must wait before a new group health plan will begin to pay for care for that condition. Generally, if you join a new group health plan, your old coverage will be credited toward the pre-existing condition exclusion period, provided you did not have a long break in coverage.