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Insurers ordered to provide coverage

Posted On Tue, October 26, 2010

Under the Affordable Care Act, health insurance companies are prohibited from denying children coverage based on their medical history. Several insurers began dropping child-only policies recently.

Washington state's Insurance Commissioner Mike Kreidler has taken the stance that he won't tolerate such actions being made by health insurance providers. He has already ordered one company, which sought to pull the child-only policies, to continue offering them.

Some providers feared parents would only enroll their children when they were ill. Kreidler says rules have been implemented to help prevent that from happening. The end result was some companies easily complying with the commissioner's request.

"We worked hard with the large health insurers to accommodate their concerns and most, including Premera and Group Health did the right thing," says Kreidler.

There is now an open enrollment period in the state for child-only policies. Other options still exist for families. For example, the Washington Health Program offers either $75,000 or $100,000 in coverage per year to members. People should consult all their options to determine eligibility and which plan will best meet their needs.

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