Washington’s Individual Insurance Policy Regulations
- Insurance companies can reject your application for insurance depending on how costly any healthcare problems that you have are.
- Dependent children who are disabled may continue to be covered under their parents’ policy after reaching adulthood if the children cannot support themselves.
- Pre-existing conditions, or conditions that existed in a six month period before the policy is issued, can be excluded for up to nine months.
- Pregnancy can be considered a pre-existing condition when applying for an individual insurance policy.
- Insurance policy premiums cannot increase due to illnesses.
- Although individual insurance policies cannot be cancelled due to illness, your premiums can increase over the years.
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Washington State Insurance Assistance
- Washington State Health Insurance Pool is available to those who have been rejected for individual insurance policies. Dependent children under the age of 19 may also be entitled to coverage. There are several plans from which to choose. People between the ages of 50 and 64 with qualified low incomes may be entitled to discounts.
- Children’s Health Insurance Program offers insurance to children and teenagers who come from families that have low qualified incomes.
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