What occurs if a health policy contains provisions that do not comply with changes in state law?

When a health policy contains provisions that do not align with current state law, the policy will be interpreted as conforming to the legal requirements of the state. This principle ensures that the policy remains valid while still adhering to the legal framework established by state regulations.

In practice, when discrepancies between policy language and state law arise, it is not uncommon for insurers to modify terms to comply with legal standards. However, rather than the policy being voided or remaining unaffected, the law typically allows for policies to be read in a manner that aligns them with the applicable statutes. This means that the policyholder is still protected under the law, and the policy continues to serve its intended purpose without being rendered ineffective due to non-compliance.

This approach balances the interests of both the insurer and the insured, ensuring that consumers have protections in place while enabling insurers to adjust policies in line with legal requirements.