Utah is among 22 states that get high marks for taking action to help insurers comply with federal health reform.
Starting in September 2010, the Affordable Care Act required insurance companies to cover all children, including those with pre-existing medical conditions. But fearing adverse selection – families waiting to enroll their kids until they fall ill – Utah's largest carriers stopped selling child-only policies, a valuable option for parents who can't afford to cover themselves.
Utah was among nine states that responded by requiring insurers to offer child-only plans. To cushion the blow, the Utah Department of Insurance also issued an emergency rule limiting enrollment to two sign-up periods annually.