What Is Guaranteed Health Insurance? 
Guaranteed Health Insurance means that if you apply for health insurance you can not be turned down because of any medical issues or pre-existing conditions . Prior to January 1 , 2014 if you applied for individual health insurance , in most states , you were medically underwritten and could be turned down , declined , or rates up 50-100 % over the standard rates . Guarantee issue means all insurance carriers must accept you . 