Washington DC Small Business Health Insurance

This page:

  • Lists health insurance policy regulations.

  • Describes your insurance rights in District of Columbia.

  • Explains interim health insurance in District of Columbia.

We also have a guide to DC health insurance for families and individuals.

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District of Columbia health insurance regulations

The District of Columbia insurance laws place no limitations on insurance companies’ freedom to exclude medical conditions from coverage. This means your insurance company can attach a rider to your policy excluding any “pre-existing” medical condition from being covered for any length of time.

Sometimes medical conditions can be excluded permanently and other times the exclusion period will last a few years. If you receive medical attention or were diagnosed for a condition before the beginning of the policy, it is considered to be “pre-existing”.

If you are switching insurance policies, the insurance company is free to impose another exclusion period even if you satisfied one under your old plan.

Your insurance rights

Your health status determines the cost and availability of health insurance. Blue Cross Blue Shield is required to offer health insurance to every resident during a six month open enrollment period.

Unless you have violated a policy regulation, no insurance company can refuse to renew your health insurance policy.

In the District of Columbia, it is permissable to deny health coverage on the basis of your haelth status.

Premiums can significantly increase with age or declining health.

More DC small business health insurance help

If you want more help getting the a good health insurance policy, read our guide to small business health insurance.

To find out more about DC group health insurance laws and regulations, visit the official website of the District of Columbia Department of Insurance and Securities Regulation.

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