Guaranteed Issue and Guaranteed Renewability

The Affordable Care Act requires health insurance issuers to offer all of their individual market and group market plans to any applicant in the state. It also requires health insurance issuers to accept any individual who applies for those policies, as long as the applicant agrees to the terms and conditions of the policy, including the payment of premiums. This provision is called “guaranteed issue.”

Coverage offered through and outside the Marketplaces may restrict guaranteed issue coverage to certain enrollment periods.

Additionally, the Affordable Care Act requires health insurance issuers to offer to renew or continue in force coverage at the option of the policyholder. This is called “guaranteed renewability.”

All Total Benefit Solutions, Inc licensed advisors are Affordable Care Act trained and certified through the federally facilitated marketplace , or “the exchange” at www.healthcare.gov

Have questions? Contact your Total Benefit Solutions Inc account manager today at (215)355-2121.