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OCR for page 139
America’s Uninsured Crisis: Consequences for Health and Health Care Appendix C State Regulations Promoting Access to Individual Health Insurance Policies, 2007
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America’s Uninsured Crisis: Consequences for Health and Health Care TABLE C-1 State Regulations Promoting Access to Individual Health Insurance Policies, 2007 State All insurers must guaranteed issue all products (6 states) All insurers must guaranteed issue some products (8 States) Insurers of last Resort (6 states) High-risk pool for medically eligible (31 states) Alabama No No No No Alaska No No No Yes Arizona No No No No Arkansas No No No Yes California No Yesa No Yes Colorado No No No Yes Connecticut No No No Yes DC No No Yesd No Delaware No No No No Florida No No No No Georgia No No No No Hawaii No No No No Idaho No Yesa No No Illinois No No No Yes Indiana No No No Yes Iowa No No No Yes Kansas No No No Yes Kentucky No No No Yes Louisiana No No No Yes Maine Yesc No No No Maryland No No No Yes Massachusetts Yesc No No No
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America’s Uninsured Crisis: Consequences for Health and Health Care Michigan No Yesb Yesd No Minnesota No No No Yes Mississippi No No No Yes Missouri No No No Yes Montana No No No Yes Nebraska No No No Yes Nevada No No No No New Hampshire No No No Yes New Jersey Yesc No No No New Mexico No No No Yes New York Yesc No No No North Carolina No No Yesd No North Dakota No No No Yes Ohio No Yesb No No Oklahoma No No No Yes Oregon No Yesa No Yes Pennsylvania No No Yesd No Rhode Island No Yesa Yesd No South Carolina No No No Yes South Dakota No No No Yes Tennessee No No No Yes Texas No No No Yes Utah No Yes No Yes Vermont Yesc No No No Virginia No No Yesd No Washington Yesc No No Yes West Virginia No Yesb No Yes
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America’s Uninsured Crisis: Consequences for Health and Health Care State All insurers must guaranteed issue all products (6 states) All insurers must guaranteed issue some products (8 States) Insurers of last Resort (6 states) High-risk pool for medically eligible (31 states) Wisconsin No No No Yes Wyoming No No No Yes NOTE: Not applicable to individuals who are eligible for coverage under the Health Insurance Portability and Accountability Act (HIPAA). In several states, including New York, all individual health insurance policies must be offered to all residents on a guaranteed-issue basis year-round. In others, including Ohio, only certain insurers must offer guaranteed-issue policies. If health insurance must be sold on a guaranteed-issue basis, applicants cannot be turned down because of their health or risk status. a Continuously for some individuals. b Periodically for some plans for all individuals. c Continuous for all individuals. d The local or regional Blue Cross Blue Shield Association plan makes coverage available. Data as of December 2007. Data compiled through review of state laws and regulations and interviews with state health insurance regulatory staff. For more detailed information on consumer protections in any state see Georgetown University’s “Consumer Guides for Getting and Keeping Health Insurance” available at http://www.healthinsuranceinfo.net/. This information was reprinted with permission from the Henry J. Kaiser Family Foundation. The Kaiser Family Foundation is a nonprofit private operating foundation, based in Menlo Park, California, dedicated to producing and communicating the best possible information, research, and analysis on health issues. REFERENCE Henry J. Kaiser Family Foundation. 2008. State health facts: Individual market guaranteed issue (not applicable to HIP AA eligible individuals) 2007, http://www.statehealthfacts.org/comparetable.jsp?cat=7&ind=353 (accessed September 23, 2008).