What is Guaranteed Issue?

Guaranteed issue is a requirement that health insurance companies must offer coverage to any applicant regardless of health status, medical history, or pre-existing conditions. Under the Affordable Care Act, all individual and small group health plans must be sold on a guaranteed issue basis during open enrollment periods or when individuals experience qualifying life events, ensuring everyone can obtain health insurance coverage.

Why guaranteed issue matters

• Protects vulnerable populations: Ensures people with pre-existing conditions can obtain coverage
• Eliminates medical underwriting: Prevents insurers from denying coverage based on health status
• Promotes healthcare access: Makes insurance available to all, regardless of medical history

How Solace can help

A Solace advocate can help you understand your guaranteed issue rights, navigate enrollment periods, and ensure insurers comply with these requirements. Advocates can also assist with appeals if you face inappropriate coverage denials or restrictions.