You Can Not Be Turned Down For Health Insurance
Guaranteed issue means that the health insurance coverage is guaranteed to be issued to applicants, regardless of their medical history, their age, their gender, or any other factors that might increase their likelihood of using health services. In most states, guaranteed issue doesn’t limit what you can be charged when you enroll in a plan.


The Affordable Care Act and Guaranteed Issue Health Insurance
Prior to 2014, individual market health insurance companies determined an applicant’s eligibility largely based on their medical history. Applicants could be denied coverage, either altogether or for certain conditions, if the health insurance company decided that they were more likely to use their coverage than the average member.
In other words, the individual market health insurance was not guaranteed issue. Many pre-existing conditions were an automatic decline, and that person could not ever get coverage through that insurance company. The only exception was through an employer, either a small or large group of employees. If the employer offered the coverage, the employee and family could get covered.


This changed in 2014 when most of the Affordable Care Act’s provisions took effect. The ACA required that all individual market major medical plans be guaranteed issue, meaning that they could not turn applicants away based on any factors including pre-existing medical conditions. You were no longer pushed into a corner to try and find an employer that offered group coverage.
To ensure individuals and families that did not have employer provided health care wouldn’t simply wait until they needed coverage to purchase coverage, the enrollment period was limited to a single “open enrollment period”. To make provision for those who had a “life change” (marriage, birth of baby, move, etc.) that affected their insurance needs, there were special enrollment periods instituted.
Nevada Insurance Enrollment Is Here to Help
Health insurance is a necessity; for most people, the medical bills that result from a single injury or illness could wipe out their savings and seriously jeopardize their financial future. At Nevada Insurance Enrollment, our health insurance agents are here to help you get the coverage you need, regardless of your medical history.
Recent Posts


Health Insurance Notices from Employers
Employer health insurance notices explain how Nevada employees can explore Marketplace options. Learn how to use these notices to compare costs, check subsidy eligibility, and make informed decisions.


Does My Age and Gender Affect My Auto Insurance Premium?
Curious how your premium affected by age and gender impacts auto insurance in Nevada? Learn why age, gender, and other factors like driving record and vehicle type influence rates. Understand Nevada’s minimum liability coverage and discover cost-saving tips to manage your premium. Nevada Insurance Enrollment helps you find a policy that fits your needs.


Why Have PPO Plans Vanished from Nevada’s Individual Market?
The PPO plan decline reflects a Nevada health plan shift, with Nevada Health Link offering HMO/EPO plans due to ACA rules and record 2025 enrollment. These plans limit provider choices but ensure affordable coverage. Learn why PPO plan reduction occurred and how to choose coverage.
Search This Website
Most Popular Pages
By page visits (this month)
#1) Health Insurance Subsidy Chart
#2) Health Insurance
#3) Health Insurance WITH a Subsidy
#4) Insurance Blog
#5) Request a Quote
Top 5 Most Popular
By page visits (this month)
#1) Health Insurance Subsidy Chart
#2) Health Insurance
#3) Health Insurance WITH a Subsidy
#4) Insurance Blog Posts
#5) Request a Quote
Recent Posts
Health Insurance Notices from Employers
Employer health insurance notices explain how Nevada employees can explore Marketplace options. Learn how to use these notices to compare costs, check subsidy eligibility, and make informed decisions.
Does My Age and Gender Affect My Auto Insurance Premium?
Curious how your premium affected by age and gender impacts auto insurance in Nevada? Learn why age, gender, and other factors like driving record and vehicle type influence rates. Understand Nevada’s minimum liability coverage and discover cost-saving tips to manage your premium. Nevada Insurance Enrollment helps you find a policy that fits your needs.
Why Have PPO Plans Vanished from Nevada’s Individual Market?
The PPO plan decline reflects a Nevada health plan shift, with Nevada Health Link offering HMO/EPO plans due to ACA rules and record 2025 enrollment. These plans limit provider choices but ensure affordable coverage. Learn why PPO plan reduction occurred and how to choose coverage.
Health Insurance Benefits for American Indians
Health insurance for American Indians offers zero cost-sharing, monthly enrollment, and IHS access via Nevada Health Link. The ACA ensures affordable Nevada tribal health coverage with premium tax credits and Medicaid/CHIP options. Learn how to navigate tribal health insurance benefits.