Young adults (18-to-24 years old) remained the least likely of any age group to have health insurance in 2003 - 30.2 percent of this group did not have health insurance.
Arkansas Family Health Insurance (AR)
When shopping around for reliable family health insurance it is important to consider all your options. As a resident of Arkansas, you should be aware of the state's regulations that affect the kinds of health insurance and coverage your family is eligible to recieve - be it through your employer, small group insurance, individual health plans, or some other state program. Once you have that information, you can sift through the variety of companies that offer health insurance in your state, and then select a plan that best fits your family's needs. Life is full of uncertainties, don't let your family's healthy be future be one of them.
Small businesses may not be turned down for group plans for any reason in the state of Arkansas. However, if one member of the group plan has a serious illness, the premium for all members may go up.
For small group health plans, Arkansas allows insurance companies a maximum 12-month exclusion period (18 months for late plan enrollees) and the ability to search medical records up to 6 months prior to the effective date of a plan.
If you are self-employed in Arkansas, you cannot purchase group plan insurance.
Arkansas does not impose limits on the length of time an insurance company can enforce exclusion of coverage for pre-existing conditions for individual plan holders.
In fact, individual plans may not be possible with any serious illness.
Genetic information and pregnancy are both considered pre-existing conditions in the state of Arkansas.
For its residents denied health coverage by traditional insurers, the state of Arkansas offers its insurance pool - the Arkansas Comprehensive Health Insurance Plan (CHIP). This pool has no annual benefit limit, a lifetime cap of $1,000,000, no enrollment cap, and a built-in exclusion period of 3 months.
Family-Health-Insurance reviews insurance services to provide information on products and options, but is not an insurer or a licensed agency. Coverage and policies described on this site may not be available in all states.
