# Insurance (GIN)

## Title 15. Health Insurance

### Subtitle 1A. Consumer Protections

#### Section 15-1A-05

(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.

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Md. Code Ann., Ins. (as displayed at mgaleg.maryland.gov, October 16, 2026)