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