Residents of Connecticut who are are in need of insurance should be especially aware of state insurance regulations, which include the following:
- Guaranteed renewability is in effect, but access to individual health insurance can be denied due to health status.
- Pre-existing condition exclusions can extend up to twelve months.
- Rises in the cost of health insurance premiums can be based on a person's health status, demographics and location.
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Limited-income families will find health insurance opportunities through the Connecticut Public Health department. Medicaid offers coverage to those living under the poverty limit, while HUSKY-A, the state's S-CHIP offering, provides children under 19 comprehensive medical care. Other governmentally assisted programs for the uninsured include the Breast and Cervical Cancer Early Detection Program.
For those whose income puts them out of reach of state aid, there are still many health insurance options, including the following:
- Connecticut Health Reinsurance Association: This is a program for state residents who cannot secure health insurance due to health status.
- HUSKY (Healthcare for Uninsured Kids and Youth): This plan is for all kids of Connecticut. Premium costs vary depending on family income; low income children receive free healthcare.
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