The Impact of Access Regulation on Health Insurance Market Structure. State Regulation of Health Insurance


At the time HIPAA was enacted, many of its provisions related to guaranteed issue and guaranteed renewal, preexisting condition exclusions and portability were already in place in at least some states. The following sections review state regulation of these features of both small-group and individual insurance plans.

The information presented here is the result of a 50-state survey of state insurance department officials that Alpha Center fielded in Summer 1999 with separate funding from the National Association of Insurance Commissioners. That survey effort is described in the research design and methods section of this report.