Guaranteed Dependent Medical Insurance « Health Insurance Advisory

Welcome to the New Healthcare Law Center and State News

new healthcare reform lawThe new healthcare law, called the Patient Protection and Affordable Care Act (PPACA), represents comprehensive healthcare reform legislation signed into law on March 23, 2010. It contains numerous provisions designed to protect consumers and promote low cost medical insurance, including many new taxes to pay for the cost.

In this section of the site, you can also obtain the following information specific to your state: available medical insurance options, efforts to regulate medical insurance premiums, healthcare, the individual medical insurance marketplace and the new healthcare law.

Our objective is to help Americans make sense of the new healthcare law by explaining key provisions in plain English and assisting individuals, families and the self-employed in using this information to find and secure affordable medical insurance.

Guaranteed Dependent Medical Insurance

Author: Administrator | Mar 10 2011 | Dependent Major Medical Insurance

Under the new healthcare law, health insurers cannot decline dependents less than age 19 because of a pre-existing medical condition(s).  Effective September 2010, the Patient Protection and Affordable Care (PPACA) guarantees all individuals less than age 19 access to major medical insurance, regardless of health status.  Additionally, health insurers and medical plans can no longer exclude or limit the coverage of a pre-existing health condition just because the medical condition is pre-existing.  This requirement is called “guarantee issue” medical insurance.

While “child only” major medical insurance plans were widely available pre-PPACA, most health insurers and medical plans have since discontinued offering child only medical insurance policies due to this new requirement.  This means young adults and children less than 19 years must be enrolled with an adult.  They cannot have their own policy.  Why?  Since medical insurance coverage is not mandated for every American until 2014, health insurers are concerned about “adverse selection.”  This means a spread of risk does not exist because individuals tend to buy insurance when they need insurance.  As a result, the health insurer is unable to offer a medical insurance plan at a price that works for the company and the child or young adult, if that child or young adult has a significant medical condition.

Health insurers, however, may still decline adults age 19 and older for an individual medical insurance plan due to pre-existing medical conditions.  An existing health condition can also be excluded or limited from being covered under the individual medical insurance plan.  Effective 2014, PPACA prohibits this practice by essentially making all major medical insurance guarantee issue.

Find a summary of the new healthcare law by visiting our healthcare reform blog.

At, we bring you affordable medical insurance quotes and inexpensive dental insurance to your fingertips.  Shop and compare plans from top rated health insurance companies in your state.  Since health insurance rates are regulated you can buy with confidence because you will pay the same as buying direct from the insurance company.

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