<?xml version="1.0"?>
<law><site_title>Virginia Decoded</site_title><site_url>https://vacode.org</site_url><law_id>86672</law_id><section_number>38.2-3430.3</section_number><catch_line>Guaranteed availability of individual health insurance coverage to certain individuals with prior group coverage</catch_line><edition url="https://vacode.org/2025/" slug="2025" current="TRUE" last_updated="">2025</edition><referred_to_by><reference>38.2-3430.10</reference><reference>38.2-3430.6</reference><reference>38.2-3448</reference><reference>38.2-508.5</reference></referred_to_by><structure><unit label="title" level="1" order_by="1" identifier="38.2">Insurance</unit><unit label="chapter" level="2" order_by="1" identifier="34">Provisions Relating to Accident and Sickness Insurance</unit><unit label="article" level="3" order_by="1" identifier="4.1">Individual Health Insurance Coverage</unit></structure><text>
						<section id="A"><p><span class="prefix-number">A.</span> Guaranteed availability. <a id="paragraph-310384" class="section-permalink" href="https://vacode.org/38.2-3430.3/#A"><i class="fa fa-link"/></a></p></section>
						<section id="A1" class="indent-1"><p><span class="prefix-number">1.</span> All eligible individuals shall be provided a choice of all individual health <span class="dictionary">insurance</span> coverage currently being offered by a health <span class="dictionary">insurance</span> issuer and the chosen coverage shall be issued. <a id="paragraph-310385" class="section-permalink" href="https://vacode.org/38.2-3430.3/#A1"><i class="fa fa-link"/></a></p></section>
						<section id="A2" class="indent-1"><p><span class="prefix-number">2.</span> The coverage provided as required in subdivision A 1 shall not impose any preexisting condition exclusion or affiliation period with respect to the coverage. <a id="paragraph-310386" class="section-permalink" href="https://vacode.org/38.2-3430.3/#A2"><i class="fa fa-link"/></a></p></section>
						<section id="B"><p><span class="prefix-number">B.</span> Health <span class="dictionary">insurance</span> issuers are prohibited from imposing any limitations or exclusions based upon named conditions that apply to eligible individuals. <a id="paragraph-310387" class="section-permalink" href="https://vacode.org/38.2-3430.3/#B"><i class="fa fa-link"/></a></p></section>
						<section id="C"><p><span class="prefix-number">C.</span> Health <span class="dictionary">insurance</span> issuers shall include on all applications for health <span class="dictionary">insurance</span> coverage questions which will enable the health <span class="dictionary">insurance</span> issuer to determine if an applicant is applying for coverage as an eligible individual as defined in &#xA7; <a class="law" title="Definitions" href="/38.2-3430.2/">38.2-3430.2</a>. This requirement shall not apply to applications used in connection with managed health care plans administering and providing care to <span class="dictionary">Medicare</span> beneficiaries in exchange for preestablished compensation from <span class="dictionary">Medicare</span>, as permitted under applicable <span class="dictionary">state</span> and federal guidelines. <a id="paragraph-310388" class="section-permalink" href="https://vacode.org/38.2-3430.3/#C"><i class="fa fa-link"/></a></p></section>
						<section id="D"><p><span class="prefix-number">D.</span> The provisions of this section shall not apply in any instance in which the provisions of this section are inconsistent or in conflict with a provision of Article 6 (&#xA7; <a class="law" title="Definitions" href="/38.2-3438/">38.2-3438</a> et seq.) of Chapter 34. <a id="paragraph-310389" class="section-permalink" href="https://vacode.org/38.2-3430.3/#D"><i class="fa fa-link"/></a></p></section></text><history>1997, cc. 807, 913; 1999, c. 1004; 2000, c. 136; 2005, c. 335; 2013, c. 751.</history><metadata></metadata></law>
