Georgia Health Insurance

Georgia has moderate insurance regulations that protect both you and the insurance company. It's important to familiarize yourself with them, so you can exercise your rights if the need ever arises.

This guide:

  • Describes important Georgia health insurance policy regulations.

  • Lists rules Georgia health insurance companies must follow.

Health insurance policies are regulated by each state's own health insurance laws. Georgia health insurance companies and policyholders alike must abide by established insurance laws.

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Georgia health insurance policy provisions

Some of the most important Georgia health insurance laws are the ones that influence the health insurance policy specifically.

One Georgia health insurance policy regulation is called the guaranteed renewability provision.

This provision states that no matter what the status of your health is, your Georgia health insurance policy is always renewable.

However, Georgia health insurance laws don't restrict pre-existing exclusions periods. Since there is no definition for what constitutes a pre-existing condition nor is there a limit on how long a health insurance company can exclude a condition from coverage, Georgia health insurance companies have full freedom to decide what to exclude and for how long.

However, even though the duration of an exclusion period is not limited, most Georgia health insurance companies will not impose an exclusion period of more than two years.

Finally, for growing families, Georgia health insurance laws require that newborns and adopted children are automatically included under a parent's individual insurance policy for 31 days. This provision is valid as long as your Georgia health insurance policy already provides coverage for dependents.

Regulating Georgia health insurance companies

Health insurance laws in some states strictly regulate the cost and availability of health insurance policies. Georgia health insurance laws are rather relaxed in this area, which means you just have to be more aware of what liberties your health insurance company are allowed.

For instance, initially, your health status can be used to determine the cost of your Georgia health insurance. Also, your health can be used as grounds for not selling you a Georgia health insurance policy.

Additionally, the cost of Georgia health insurance is NOT regulated by Georgia health insurance laws. This means you may be subjected to a steep increase in premiums as you grow older or your health declines.

However, although it is legal for an insurance company to refuse to sell you a health insurance policy once you purchase a policy, your Georgia health insurance company can not deny your request for continued coverage

With this in mind, you can see how it is recommended that you purchase a policy when you are young and healthy. This way you are assured a comprehensive low costing Georgia health insurance policy.

Temporary Georgia health insurance

There are situations when you have a break in your Georgia health insurance coverage. During these breaks you will need temporary health insurance.

Temporary health insurance policies are offered by a few Georgia health insurance companies. However, as an alternative to temporary insurance, conversion policies are also available to individuals who have recently left a group health insurance policy.

The premiums for these policies can be more than your group policy premiums, but are limited enough by state laws that they will still be affordable.

Like other Georgia health insurance, conversion policies can not be canceled because you become ill. Also if you purchase a conversion policy, you will not be required to meet a new pre-existing condition exclusion period.

More GA health insurance help

If you want more help getting the a good health insurance policy, read our guide to health insurance.

Also see the guide to Georgia small business health insurance.

To find out more about GA health insurance laws and regulations, visit theofficial website of the Georgia Insurance and Safety Fire Commissioner.