Which type of insurance policy cannot have a pre-existing condition exclusion in Colorado?

In Colorado, individual health insurance policies are required by law to cover pre-existing conditions without exclusions. This is in alignment with the Affordable Care Act (ACA), which mandates that individual health insurance plans cannot impose waiting periods or exclusions for conditions that were diagnosed or treated prior to obtaining coverage. This protective measure is designed to ensure that individuals with pre-existing conditions have access to necessary healthcare without facing barriers or higher costs due to their health history.

The other insurance types mentioned have different regulations. For instance, group health insurance policies may also include provisions that address pre-existing conditions, but they can vary based on the plan's design and the employer's choices. Short-term disability insurance typically offers a specific duration of coverage with different underwriting rules, which may include pre-existing condition exclusions. Long-term care insurance often has stricter underwriting processes and can impose waiting periods for conditions known prior to policy issuance. Therefore, the lack of pre-existing condition exclusions for individual health insurance policies in Colorado highlights their role in promoting equitable access to health coverage.