Washington DC

District of Columbia Health Insurance Market Overview and Laws

In D.C., health insurance regulations highly affect the individuals with health insurance policies as well as the companies that sell them. Like other states, your health insurance plan has to be renewed according to the guarantee renewability provision. Insurers are required by law to renew the same coverage you had at the end of a term.

Laws in the District of Columbia permit insurance companies to set their own exclusion periods for pre-existing conditions. Under the exclusion period provision, the insurer decides upon the length of time (even permanently) that they will not provide coverage for medical treatment related to your condition.

Insurance companies in D.C. have a fair amount of deciding power when it comes to how much you must pay for your coverage, and what services they choose to cover. Your health and age are the determining factors as to what is covered and what you will be charged.


D.C. health insurance covers a variety of services on every health plan as mandated by law, some of which are as follows:

  • Pregnancy services
  • Breast, cervical, and prostate cancer exams
  • Immunizations for children
  • Newborn health hearing exams
  • Same coverage for physical and mental health care


For more information on D.C. health insurance laws, visit the District of Columbia District of Insurance site.