Private Health Insurance: Access to Individual Market Coverage May Be Restricted for Applicants with Mental Disorders Page: 2 of 32

Contents

Letter

Results in Brief
Background
In A Minority of States, Individual Market Carriers Guarantee
Access to Coverage
In Other States, Applicants with Mental Disorders May be More
Likely to be Denied Coverage
High-Risk Pools Are the Primary Source of Coverage for Applicants
with Mental Disorders Who Are Denied Coverage
Concluding Observations
Comments From External Reviewers

Appendix I Scope and Methodology 25
Appendix II GAO Contact and Staff Acknowledgments 27
Related GAO Products 28
Tables
Table 1: Prevalence of Selected Mental Disorders among Adults
during a 1-Year Period 5
Table 2: States that Require Carriers to Guarantee Access to
Coverage 10
Table 3: States in Which Certain Carriers Voluntarily Guarantee
Access to Coverage 11
Table 4: Likely Underwriting Decisions of Seven Carriers for
Hypothetical Applicants with Selected Mental Disorders 13
Figures
Figure 1: Seven Carriers More Likely to Deny Coverage to
Applicants with Selected Mental Disorders 15
Figure 2: Seven Carriers' Likely Underwriting Decisions for
Applicants with Selected Health Conditions 17

GAO-02-339 Access to Health Insurance for Applicants with Mental Disorders

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United States. General Accounting Office. Private Health Insurance: Access to Individual Market Coverage May Be Restricted for Applicants with Mental Disorders, report, February 28, 2002; Washington D.C.. (https://digital.library.unt.edu/ark:/67531/metadc292222/m1/2/ocr/: accessed April 21, 2019), University of North Texas Libraries, Digital Library, https://digital.library.unt.edu; crediting UNT Libraries Government Documents Department.

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