The Impact of Access Regulation on Health Insurance Market Structure. Table 1: Number of States Requiring Guaranteed Issue or Renewal

10/20/2000

Small Group Market

Law Implemented 1995 1996 1997 1998 1999
Guaranteed Issued All Products 11 13 14 50 50
Guaranteed Issue Some Products 18 22 23 0 0
Guaranteed Renewal 43 44 44 50 50
Total (n) 50 50 50 50 50

Individual Market

Law Implemented 1995 1996 1997 1998 1999
Guaranteed Issued All Products 6 7 7 8 7
Guaranteed Issue Some Products 3 3 5 9 9
Guaranteed Renewal 12 16 19 50 50
Total (n) 50 50 50 50 50