Can You Be Denied Group Health Insurance? 
In South Carolina and most other states , Group Health Insurance is `` guaranteed issue '' and applicants can not be denied coverage . However , if an applicant has not had creditable coverage in the preceding 63 days , an insurer may deny coverage for pre-existing conditions for up to 6 months . Of course , in order to qualify , you must be an employee of a legal company in the state in which you seek insurance . The number of employees required to form a group may vary by state . In South Carolina , 2 employees are required to form a group . 