On health insurance premiums would depression as a pre-existing condition raise rates?

It depends on the specific health insurance plan and the underwriting rules of the insurance company. In some cases, depression as a pre-existing condition may lead to higher premiums, while in other cases it may not have any impact on the premium. It is important to check with the specific insurance company or insurance broker to determine the impact of depression as a pre-existing condition on health insurance premiums.

In the United States, the Affordable Care Act (ACA) prohibits health insurance companies from denying coverage or charging higher premiums based on pre-existing conditions. However, there are some exceptions to this rule, such as for short-term health insurance plans or plans that are grandfathered under the ACA. It is important to carefully review the terms and conditions of any health insurance plan before enrolling to understand how pre-existing conditions may be treated.