Non-Discrimination

• You are not allowed to be turned away for group health insurance in Kentucky because of health reasons. Your employer may offer a Health Maintenance Organization (HMO) plan that does not provide service to your area.
  
  

Elimination Riders

• Kentucky health insurance companies are not allowed to add elimination riders to their individual health insurance policies. Health insurance elimination riders allow insurance companies to permanently exclude a health condition from coverage.
  
  

Guaranteed Renewability

• Your health insurance cannot be canceled for health reasons. The insurance company cannot refuse to renew your policy for health reasons. Your plan can be canceled for non-payment of premiums under both group and individual insurance.