January 31, 2011 |
If in the past you tried to buy health insurance for a child with a preexisting health condition and were turned down, it's time to give it another shot. A provision of the federal health reform law and a new California law punish insurers that refuse to sell policies to children. As a result, those younger than 19 will have access to insurance and cannot be denied coverage, regardless of health condition. Jan. 1 marked the start of California's initial open enrollment period, which runs through March 1. During this time, parents can purchase health benefits for their children on the individual insurance market without fear of being denied or of significant increases to monthly premiums for kids with preexisting conditions.