§ 15–1A-05
Statutes in effect as of October 1, 2026.
Md. Code Ann., Ins. § 15-1A-05 (2026)
Title 15. Health Insurance
Subtitle 1A. Consumer Protections
§ 15–1A-05LinkCopy Citation
(a)
This section applies to all grandfathered plans except grandfathered plans that are individual plans and to every health benefit plan that is not a grandfathered plan.
(b)
A carrier may not:
(1)
exclude or limit benefits because a health condition was present before the effective date of coverage; or
(2)
deny coverage because a health condition was present before or on the date of denial.
(c)
The prohibition in subsection (b) of this section applies whether or not:
(1)
any medical advice, diagnosis, care, or treatment was recommended or received for the condition; or
(2)
the health condition was identified as a result of:
(i)
a pre–enrollment questionnaire or physical examination given to an individual; or
(ii)
a review of records relating to the pre–enrollment period.