{"data":{"id":"us-md/md.-code-insurance-27-221","jurisdiction":"us-md","citation":"Md. Code, Insurance § 27–221","heading":"","body":"(a) (1) In this section the following words have the meanings indicated.\n(2) “Carrier” means a person that is:\n(i) an insurer that holds a certificate of authority in the State and provides health insurance in the State;\n(ii) a health maintenance organization that holds a certificate of authority to operate in the State; or\n(iii) a nonprofit health service plan that holds a certificate of authority to operate in the State.\n(3) “Health coverage” means any of the following:\n(i) a health insurance contract that is issued or delivered in the State by an insurer;\n(ii) a contract that is issued or delivered in the State by a nonprofit health service plan; or\n(iii) a contract that is issued or delivered in the State by a health maintenance organization.\n(4) “Health status-related factor” has the meaning stated in § 15-1301 of this article.\n(5) “Individual contract” means a contract between a carrier and an individual covering:\n(i) the individual;\n(ii) the individual and the individual’s family members; or\n(iii) the family members of the individual.\n(6) (i) “Reunderwrite” means to reevaluate any health status-related factor, occupation, hobby, or activity of an individual for the purpose of:\n1. terminating health coverage of the individual; or\n2. moving the individual from a more favorable rate class to a less favorable rate class.\n(ii) “Reunderwrite” does not include:\n1. moving an individual from one rate tier to another rate tier solely due to the addition or deletion of a family member under the health coverage;\n2. increasing the premium under an attained age rated contract solely due to the increasing age of the individual covered under the health coverage;\n3. on receipt of an application from an insured to increase the benefits under an existing contract, evaluating the health status-related factors, occupation, hobbies, or activities of the insured for the purpose of increasing the benefits under the contract; or\n4. during the period in which a carrier has the right to contest a policy, denying a claim, amending the policy, making an adjustment to the premium, or rescinding the policy based on a material misrepresentation or fraud in the application.\n(b) A carrier may not reunderwrite an individual for health coverage under an individual contract after the individual contract has been issued.","path":["Article - Insurance"],"source_url":"https://mgaleg.maryland.gov/mgawebsite/Laws/StatuteText?article=gin\u0026section=27-221","current_through":"2026-01-01","vintage":"","retrieved_at":"2026-09-14T19:59:28Z","sha256":"6edb16898274c017399d0cbdb2c1002ac16e808fd9e265338e4110515a7b93dc","source_id":"us-md","stale":false,"prev":"us-md/md.-code-insurance-27-220","next":"us-md/md.-code-insurance-27-222"},"notice":"GroundRules: Original legal text. Not legal advice."}