Health insurers reject 22% of individual and family applications nationwide on average, with much higher rejection rates in some states and some individual insurers rejecting more than 70% of applications, a HealthPocket analysis indicates. "What is unclear is whether some insurers have increased their declination rate in order to improve risk-pool health and profitability prior to 2014," said Kev Coleman of HealthPocket. The Affordable Care Act's provision on pre-existing conditions will become effective on Jan. 1, 2014.

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