A pre-eisting condition is typically defined as any medical condition, including injuries, that have received a diagnosis or treatment from a health care professional in the past 5 years. More serious medical conditions, such as cancer, can have a longer look-back period. Your daughter's FHL tear should not affect her ability to acquire her own Individuals plan, once she loses eligibility under your husband's Small Business policy. The insurance company will likely add an eclusion rider to her policy that ecludes treatment of this injury for a specific period of time. You might consider having her apply for coverage now, so you know what to epect when she loses her eisting coverage. It might even make sense to get her off the group plan and on to her own policy before she loses coverage. If she were to develop any other medical conditions between now and when she loses coverage, it could affect her ability to be insurable under an individual plan