Guaranteed Issue Health Insurance

Guaranteed issue health insurance is a type of group health plan, traditionally available through employer participation, that guarantees acceptance of any qualified applicant without regard to any preexisting conditions. If your employer offers a health plan, you will be eligible for guaranteed issue health insurance. Learn more in our guide below.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Nov 22, 2020

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In health insurance, guaranteed issue has been available for many years. Employer health plans normally included guaranteed issue coverage, with only individual or private plans denying coverage for preexisting conditions. As the Affordable Care Act goes into effect, one of the new changes will be to require all health insurance providers to accept preexisting conditions.

What is Guaranteed Issue Health Insurance?

Guaranteed issue health insurance is a type of health insurance plan available through employer participation that guarantees acceptance of any qualified applicant without regard to any preexisting conditions the applicant might have.

For those with diabetes or asthma, guaranteed issue coverage meant they were able to get health coverage which might otherwise have been unavailable. Group plans offered through memberships such as the AARP or AAA are guaranteed issue health plans.

Where is Guaranteed Issue Coverage Available?

If your employer offers a health plan, you will be eligible for guaranteed issue health coverage when you are eligible for enrollment. If you choose to join a group health plan through some other organization, you may pay higher rates, but you can also have coverage for your existing medical needs.

When Does the ACA Become Effective?

The different parameters of the Affordable Care Act, or ACA, will become effective at different times. Some options, such as allowing children
to remain on the health coverage of their parent until age 26, went into law immediately. The requirement that guarantee issue health insurance be available from all providers was not mandatory until 2014.

Shopping for Guaranteed Issue Health Insurance Coverage

With a preference given to companies that offer guaranteed issue health insurance, compare rates online, taking note of the differences in the policies. Check ratings from A.M. Best Company or similar agencies o get an idea of the financial status of companies which rank highest on your list.

Financial ranking helps you understand the financial position of the insurance company, including how well they are doing today and what the company’s long term outlook is expected to be. Starting with a strong company can lead to a long and positive interaction.

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