• Understand the health insurance regulations in Arizona before you purchase your policy.cost of healthcare image by Cindy Haggerty from Fotolia.com
  
  Arizona laws provide specific benefits to its residents regarding health insurance. Before you purchase a health insurance policy in Arizona an understanding of the regulations can help ensure you get the best insurance policy for your needs.
  
  

Guaranteed Renewability

• Once you have health insurance in Arizona, you have a guaranteed option to renew. As long as you haven't lied on your application for insurance and you have paid all your health insurance premiums, you cannot be turned down for renewal when your policy is about to expire.
  
  

Pre-Existing Conditions

• Arizona does not have any laws protecting you from pre-existing condition exclusions. An insurance company can permanently exclude any health condition for any reason. And, they can impose new exclusions when you purchase a new policy from them. The insurance company also does not have any time restrictions on how long the exclusion period for pre-existing conditions will be. The insurance company can impose an exclusion period for any pre-existing condition for any length of time.
  
  

Coverage For Dependents

• Arizona law mandates that health insurance companies provide coverage for newborns and newly adopted children for 31 days. Beyond this time period, the insurance policy must be changed to reflect the new subscribers on the policy.
  
  

Health Ratings

• Health insurance companies in Arizona are not regulated with respect to premiums. Insurance companies can set premiums to reflect your health and age. If you become ill, the health insurance company can raise your premiums. They can also raise your premiums as you grow older.