The Impact of Access Regulation on Health Insurance Market Structure. Table 2: Limits on Preexisting Condition Exclusions, 1995-1999

10/20/2000

 

Small Group Market

Individual Market

  1995 1996 1997 1998 1999 1995 1996 1997 1998 1999
Maximum look back period
(Number of months)
0 1 1 1 1 1 0 0 0 1 1
3 3 3 3 2 2 2 2 2 2 2
6 26 30 31 43 43 7 12 12 13 13
12 9 9 9 3 3 7 7 11 12 12
24 0 0 0 0 0 2 4 3 3 3
36 1 1 1 0 0 0 0 1 1 1
60 0 0 0 0 0 2 2 2 2 2
No Law 10 6 5 1 1 30 23 19 16 16
Total (n) 50 50 50 50 50 50 50 50 50 50
Maximum waiting period
(Number of months)
0 1 1 1 1 1 0 0 0 1 1
3 2 2 2 2 2 1 1 1 1 1
6 5 7 6 5 5 1 1 1 1 1
9 1 2 2 2 2 1 1 1 1 1
12 33 34 35 40 40 12 18 24 25 25
18 0 0 0 0 0 1 1 0 0 0
24 0 0 0 0 0 7 6 6 6 6
No Law 8 4 4 0 0 27 22 17 15 15
Total (n) 50 50 50 50 50 50 50 50 50 50