The recent changes enacted with the Health Care Reform law are causing new unintended consequences. There are few carriers who will insure children under 19 because of the guaranteed issue provisions. For people who are required to carry insurance due to a divorce or custody agreement, this is keeping them from complying with a court order. Surely this is not what was intended by Congress.
The group market has not been affected by the provisions for children under 19. In the individual market, it is having major impacts not only on American families but on the agents who serve them.
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