One GOP plan only protects PEC in continuous coverage

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Under our plan, no one can be denied coverage based on a pre-existing condition. To help consumers with preexisting conditions, our proposal would create a new “continuous coverage” protection. Under this new protection, individuals moving from one health plan to another—regardless of whether it was in the individual, small group, or large employer markets—could not be medically unwritten and denied a plan based on a preexisting condition if they were continuously enrolled in a health plan. This new consumer protection helps incentivize responsible behaviors by encouraging consumers to keep their health coverage.

For those who may be uninsured when our proposal is adopted, we envision a one-time open enrollment period
in which individuals would be able to purchase coverage regardless of their health status or pre-existing
conditions. This would provide a path for all individuals to obtain affordable coverage immediately. This
enrollment period would make certain that an uninsured American facing health issues could purchase at the
same premium as a healthy individual. If an uninsured individual were to forgo enrolling during the one-time open
enrollment period or during their applicable creditable coverage window, they would still be able to enroll during
an annual enrollment period; however, they would not be able to avail themselves of the continuous coverage
protections. Accommodations for life-events would also be accounted for, just as they are today for many
individuals and their families.