|
Items in cart [1] |
Questions? Call 888-624-8373 |
| Copyright © 2009. National Academy of Sciences. All rights reserved. Terms of Use and Privacy Statement |
Below are the first 10 and last 10 pages of uncorrected machine-read text (when available) of this chapter, followed by the top 30 algorithmically extracted key phrases from the chapter as a whole.
Intended to provide our own search engines and external engines with highly rich, chapter-representative searchable text on the opening pages of each chapter.
Because it is UNCORRECTED material, please consider the following text as a useful but insufficient proxy for the authoritative book pages.
Do not use for reproduction, copying, pasting, or reading; exclusively for search engines.
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
OCR for page 140
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
OCR for page 141
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
OCR for page 142
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).
