Ohio’s Individual Insurance Policy Regulations include:
- Insurance companies can reject your applications due to your health and health history except during open enrollment periods. Insurance companies are required to admit a certain number of people during open enrollment. If they fill their requirement, you may still be turned down for individual insurance. Insurance companies vary their enrollment periods.
- Insurance companies must include certain services in their policies, including post delivery hospital stays.
- Pre-existing conditions, or conditions that occurred six months prior to initiating coverage, can be excluded up to one year or may be permanently excluded.
- If you are pregnant and applying for an individual insurance policy, your pregnancy may be determined to be a pre-existing condition.
Healthy Start offers children under 19 years old and pregnant women from families with qualified income levels healthcare coverage. Healthy Families offers families coverage. Families must have a child under the age of 18 and have qualifying income.
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