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A medical illness or injury that you have before you start a new health care plan may be considered a pre-existing condition. Conditions like diabetes, chronic obstructive pulmonary disease (COPD), cancer, and sleep apnea, may be examples of pre-existing health conditions.Pre-existing condition. A health problem, like asthma, diabetes, or cancer, you had before the date that new health coverage starts. All Marketplace plans must cover treatment for pre-existing medical conditions. A "pre-existing condition" is a health condition that exists before someone applies for or enrolls in a new health insurance policy. As defined most simply, a preexisting condition is any health condition that a person has prior to enrolling in health coverage. For health insurance, pre-existing conditions are health problems you have before your new health insurance coverage begins. Many Americans have healthrelated problems that insurance companies can define as preexisting conditions. Pre-existing condition exclusions are no longer applied to members covered under health insurance policies and group health plans.