The debate about child-only health insurance policies continues. Recently, HHS sent a letter to the president of the NAIC clarifying what insurance companies and states can do to stabilize the child-only insurance market.  

In the letter, HHS clarifies that insurers can:

1. identify open enrollment periods for children under 19; 
2. they can charge more for children with pre-existing conditions;  and
3. they can impose a surcharge for dropping coverage and subsequently reapplying.