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  • Quotes
    • LIfe & Financial Quotes >
      • Life Insurance Quote
      • Annuity Quotes
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      • Guaranteed Issue Quote
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    • Health Quotes >
      • Health Insurance Quote
      • Dental Insurance Quote
      • Critical Illness Insurance Quote
      • Long Term Care Insurance Quote
      • Medicare Advantage Plan Quote
      • Medicare Supplement Coverage Quote
      • Vision Insurance Quote
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      • Travel Insurance Quote
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  • Service
    • Policy Review
    • Make a Payment
    • Update Contact Info
    • Policy Changes
    • Free Consultation
    • Notary Service
  • Insurance
    • LIfe/Financial >
      • Life Insurance
      • Annuities
      • Whole Life Insurance
      • Final Expense Insurance
      • Guaranteed Issue
      • Term Life Insurance
      • Key Person Protection
    • Health >
      • Health Insurance
      • Dental Insurance
      • Long Term Care Insurance
      • Medicare Advantage Plans
      • Medicare Supplement Coverage
      • Critical Illness Insurance
      • Vision Insurance
    • Group Benefits
    • Other >
      • Travel Insurance
      • Wills and Trust
  • About
    • Meet Our Team
    • Client Testimonials
    • Join Our Team
    • Insurance Carriers
    • Blog
    • Accessibility Statement
  • Resources
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Guaranteed Issue

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Guaranteed Issue

Guaranteed issue is a term used in health insurance to describe a situation where a policy is offered to any eligible applicant without regard to health status. Often this is the result of guaranteed issue statutes regarding how health insurance may be sold, or to provide a means for people with pre-existing conditions the ability to obtain health insurance of some kind.

Under the Patient Protection and Affordable Care Act (ACA), all health insurance policies must be sold on a guaranteed issue basis.

Prior to the ACA, a small number of states required insurers to sell all coverage on this basis in the individual health insurance market. In addition, the "creditable coverage" provisions of the Health Insurance Portability and Accountability Act of 1996 are often considered to be a federal guaranteed issue regulation which some states fulfilled using a high-risk pool program.

Source: en.wikipedia.org/wiki/Guaranteed_issue
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