Wisconsin’s Individual Insurance Policy Regulations
- Insurance companies are not required to give every individual insurance applicant coverage. People can be turned down for health reasons.
- Disabled children may be able to continue to be covered under their parents’ policy after the children reach the age of majority if the children are unable to support themselves.
- Insurance companies must offer coverage on some benefits including mammograms for women starting at the age of 50.
- Insurance companies can exclude pre-existing conditions for up to two years. They can also exclude coverage on the pre-existing condition permanently.
- Insurance companies can cancel your policy if you do not pay premiums, if you have defrauded them, or if the company that sold you your policy decides to withdraw from the market.
Wisconsin State Insurance Assistance
- High Insurance Risk Sharing Plan offers individuals health coverage if they have been turned down by insurance companies.
- Wisconsin BadgerCare offers qualified low income families with dependent children under the age of 19 living at home insurance coverage. A family may be required to pay premiums depending on the level of their income.
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