HIPAA Guaranteed Issue Health Insurance Plans

The plans found on this page offer solutions for those that have had or may have difficulty obtaining individual health insurance plans. 

HIPAA Guaranteed Issue Plans

These are individual health insurance plans offered to people that have met certain conditions including (you have to meet all these conditions)

1. You do not have other health insurance (or it will be terminated involuntarily)

2. You have been insured by creditable coverage for the last 18 months or more with no lapse of coverage for more than 63 days

3. Your most recent coverage was under a group health plan, a government plan, or a church plan, or an individual plan that terminated due to: the insurer's insolvency, the insurer's discontinuance of all it's individual coverage in Florida; or the fact that you no longer live in a Florida service area of my prior insurer's network plan

4. Your most recent coverage was not terminated due to nonpayment of premiums, fraud, or intentional misrepresentations

5. You are not eligible for any coverage under a conversion plan, a group health plan, Medicare or Medicaid

6. You accepted and exhausted any group continuation of coverage (including COBRA) that was offered to you

Carriers offer two of their individual health insurance plans only.  A person must apply within 63 days of their group plan ending.  It is best to apply before the group plan ends.  The HIPAA plan starts the day after the group plan ends either way.  HIPAA plans must accept qualified people without exclusion riders.  Because the carriers must accept qualified people, they can charge 200% of the standard rate.  Please contact me, John K Arnold to discuss.