There are a number of laws that can affect New York health insurance quotes. In fact, there are several existing guidelines, which must be strictly adhered to by the health provider and customer. One of the most common laws revolves around the "guaranteed renewability clause." This provision has to be present in all health insurance policies and statements. Under this clause, customers have the option to renew their policies once their respective terms end. This includes modifications to existing plans, along with upgrades and additional coverage options. Unlike other states, New York enforces this law to offer a wealth of available choices for customers and insurance firms.

Another New York law that affects health insurance quotes is based on pre-existing conditions. This law protects health providers that deny coverage due to certain medical conditions. The law, however, allows a pre-existing exclusion period for up to 12 months. Therefore, it is best to disclose all medical diagnoses and conditions, even with the one-year clause. This enables you to secure the right coverage, without having to go through the hassle of denied applications and claims. It also allows you to find health care programs, which will extend coverage despite of pre-existing medical ailments or conditions. If you, however, are able to eliminate pre-existing conditions, you are eligible to reapply with any insurance provider of your choice. New York insurance policies also cannot include elimination riders, which permanently deny coverage for certain conditions.

New York health laws also govern the inclusion of dependents in certain policies. Under the two provisions, parents with individual health policies can automatically extend coverage for newborns and even adopted children. This clause is usually for a period of 30 days, which allows parents to decide on future coverage options. Under the same clause, dependents with handicaps that are over the legal age limit may also be covered under their parent's individual New York health insurance plans. Within the 30-day coverage period, parents may also request additional coverage time for policy modifications and upgrades.

New York health insurance laws also prohibit health providers from denying family coverage options. For example, if you are covered under an individual policy, you have every right to request additional coverage for family members and loved ones. Any denial for an extension of coverage, or selling group plans if requested, can be met with certain fines and penalties for health providers. Once approved for health coverage, your insurance premiums cannot be dependent on your age, health, gender, or occupation. If you become ill while your policy is in effect, your coverage cannot be terminated for this reason. These are some of the laws that can affect health insurance quotes in New York.