Guaranteed Issue (Health Care) Law and Legal Definition

Guaranteed issue refers to the insurance coverage that must be issued by the insurance company regardless of the health, age, gender, or other factors that might predict a beneficiary’s use of health services. All health insurance plans are guaranteed issue in some states because a health insurance company generally cannot refuse coverage to a qualifying business or organization based on the health status of their employees or members. Guaranteed issue is basically a state government requirement that a health plan must allow a beneficiary to enroll regardless of the health status of the beneficiary and his/her dependents.