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UnitedHealth to insure the right to insurance

New York Times, December 3, 2008

The UnitedHealth Group established a product that gives consumers the right to buy an individual health policy at some point in the future even if they become sick. Called UnitedHealth Continuity, the product is aimed at people who may have insurance now but are worried they may lose it—and may not be able to obtain replacement insurance on their own. People who are already sick will generally not be eligible for the new product. Those who do pass a medical review will pay 20% each month of the current premium on an individual policy to reserve the right to be insured under the plan at some point in the future.