Consumer Rights under MA State Law
Massachusetts Policy Restrictions
All Massachusetts health insurance policies must be renewed
by the insurance company if the insured individual requests
it. The only other way an insurance company can cancel
the health insurance policy is if they insured individual
violates a contract agreement.
Massachusetts Insurance companies do not have the right
to include pre-existing condition exclusions in their
There is not list of specific conditions that they must
treat. They have the right to offer permanent and temporary
exclusion. They can also raise premiums to compensate
for these conditions.
Massachusetts Insurance Company Restrictions
Massachusetts Insurance companies can not deny coverage
to any individual or charge higher premiums on the basis
of their current health. They also do not have the right
to raise insurance premiums based on an individuals age
or if their health has declined. An insurance company
can not cancel a policy on this basis.
Massachusetts natives can sign up for temporary health
insurance. This coverage provides health insurance for
a specific amount of time. This policy can be limited
to exclude pre-existing conditions. It can also be cancelled
by the insurance company at their discretion.
Always check with your
health insurance company on latest policies. These types
of policies rarely ever change (but can), and they are
very similar from state to state. So, we have tried to
highlight the differences, where applicable.
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