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Small Business Employee Benefits and HR Blog

The Child-only Stand-off (HHS vs. Insurers) Continues

The debate about child-only health insurance policies continues. Recently, HHS sent a letter to the president of the NAIC clarifying what insurance companies and states can do to stabilize the child-only insurance market.  

In the letter, HHS clarifies that insurers can:

  1. Identify open enrollment periods for children under 19; 
  2. Can charge more for children with pre-existing conditions;  and
  3. Can impose a surcharge for dropping coverage and subsequently reapplying. 


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