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Denial of Arkansas Health Insurance & Other Information

Health Insurance Underwriting

Insurance companies will use the medical information obtained on the health insurance application to determine your premium rates. Occasionally, insurance companies will need additional information from your physician or another medical provider.

Once the health status of all applicants listed on the application is determined and the application is accepted, a rate class is assigned and the applicant is put into a pool with other insureds with similar risk characteristics. The premium rate will be charged to that entire class of customers and subsequent annual renewal premiums will be determined by the claims experience of the entire pool.

Individual claims or an illness may cause an insurance company to reunderwrite your policy, causing it to move you to a new rate class. If you have questions about whether a company is allowed to reunderwrite your policy, contact our Consumer Services Division at (800) 852-5494 or (501) 371-2640 or insurance.Consumers@arkansas.gov.

Denial of Health Insurance Coverage

Help may be available if you are turned down for individual coverage or find the policy is approved, but the premiums for the coverage are too high. Many states have programs that help provide health insurance to those denied coverage due to a medical or pre-existing condition. There are also programs available federally or through your state to assist with the high cost of health care and health insurance.

More Information

Contact the Arkansas Department of Human Services to learn about your eligibility for Medicaid (for low-income and disabled persons), ARKids First to learn about Arkansas's children's health insurance program, Arkansas CHIP for information about Arkansas's high-risk pool coverage for individuals who are denied coverage, and our SHIIP Division for free one-on-one counseling, education, and information to individuals with Medicare of all ages. For more tips about choosing health insurance coverage that is right for you and your family, go to www.insureUonline.org.