Last Updated
September 13, 2019

Note: The table identifies states that have established rules exempting certain health coverage products from federal and state insurance regulation. These rules tend to encourage market segmentation and a deterioration of the ACA-compliant risk pool, thereby making comprehensive individual market coverage less affordable and accessible. States may have taken other actions that are likely to decrease access to affordable and adequate individual market coverage that are not identified in this table. For example, this table does not include state actions that may encourage the sale of, or broaden access to the following forms of coverage, which are not fully compliant with federal rules governing the individual market: short-term, limited duration insurance; association health plans that meet the definition of a large-group plan under federal law; transitional, or "grandmothered" health plans; or coverage arrangements offered by a health care sharing ministry.