Guaranteed Issue Health Care Plans

Guaranteed issue health care plans are designed to provide access to coverage without requiring medical questions as part of the application process. These plans can be an option for individuals who may not qualify for plans that involve medical underwriting. Coverage features, eligibility rules, and plan structure vary by insurer and policy.

The time required to obtain health insurance depends on the type of plan and the insurer’s application process. Some plans may become effective shortly after an application and payment are received, while others require review and approval before coverage begins. Timelines can vary if additional information is requested during the application process.