Consumer Insurance Protections

Note these important benefits.

  • The Act implements reforms that prohibit insurance companies from refusing to sell coverage or renew policies because of an individual’s pre-existing conditions. Also, in the individual and small group market, the law eliminates the ability for insurance companies to charge higher rates due to gender or health status.
  • The Act prohibits new plans and existing group plans from imposing annual dollar limits on individual coverage.
  • Insurers will be prohibited from dropping or limiting coverage because an individual chooses to participate in a clinical trial. This applies to all clinical trials that treat life-threatening diseases.

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