Guaranteed Issue

A health insurance policy that must be issued regardless of any pre-existing medical condition.

A requirement that health plans must permit you to enroll regardless of health status, age, gender, or other factors that might predict the use of health services. Except in some states, guaranteed issue doesn't limit how much you can be charged if you enroll.

A requirement that health plans must allow you to sign up for coverage, regardless of health status, age, gender, or other factors that might predict how much you use health services. Guaranteed issue doesn’t limit how much you can be charged if you enroll.

A requirement that health insurers sell a health insurance policy to any person who requests coverage without regard to any pre-existing health conditions. HIPAA already requires guaranteed-issue in the small group market. The ACA requires that all health insurance be sold on a guaranteed-issue basis beginning in 2014. For children under age 19, the guaranteed-issue requirements of the ACA are phased in earlier and begin to take effect on September 23, 2010 for non-grandfathered plans which offer coverage to kids. Minn. Stat. 62L.03 Subd. 1 provides guaranteed issue in the Minnesota's small group market.