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Newsletter Article


Child-Only Coverage and Health Reform: Lessons for Policymakers

Thanks to a provision of the Affordable Care Act that went into effect in 2010, insurers are not permitted to deny or limit coverage for children under age 19. As described in a new issue brief, this prompted some insurers to drop "child-only" individual health policies out of concerns about adverse selection. Several states then passed new legislation or regulations aimed at restoring the availability of child-only coverage. Most of these efforts were successful, and provide models for state and federal policymakers as they prepare to implement a rule in 2014 prohibiting carriers from denying coverage to anyone, not just children, because of preexisting conditions.

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