Health Care Services and Financing

Health Insurance: Losses due to Intoxication (“UPPL”)

Laws that prohibit exclusion of insurance claims arising from intoxication of the insured.

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Maps & Charts: Health Insurance: Losses due to Intoxication (“UPPL”)

Jurisdiction

Value

Alabama

Denial Benefits Permitted

Alaska

Denial Benefits Permitted

Arizona

Denial Benefits Permitted

Arkansas

Denial Benefits Permitted

California

Denial Benefits Prohibited

Colorado

Denial Benefits Prohibited

Connecticut

Denial Benefits Prohibited

Delaware

Denial Benefits Permitted

District of Columbia

Denial Benefits Prohibited

Florida

Denial Benefits Permitted

Georgia

Denial Benefits Permitted

Hawaii

Denial Benefits Permitted

Idaho

Denial Benefits Permitted

Illinois

Denial Benefits Prohibited

Indiana

Denial Benefits Prohibited

Iowa

Denial Benefits Prohibited

Kansas

Denial Benefits Permitted

Kentucky

Denial Benefits Permitted

Louisiana

Denial Benefits Permitted

Maine

Denial of Benefits Both Permitted and Prohibited

Maryland

Denial Benefits Prohibited

Massachusetts

No Health/Sickness Exclusion Law

Michigan

No Health/Sickness Exclusion Law

Minnesota

No Health/Sickness Exclusion Law

Mississippi

Denial Benefits Permitted

Missouri

Denial Benefits Permitted

Montana

Denial Benefits Permitted

Nebraska

Denial Benefits Permitted

Nevada

Denial Benefits Prohibited

New Hampshire

No Health/Sickness Exclusion Law

New Jersey

Denial Benefits Permitted

New Mexico

No Health/Sickness Exclusion Law

New York

Denial Benefits Permitted

North Carolina

Denial Benefits Prohibited

North Dakota

Denial Benefits Prohibited

Ohio

Denial Benefits Prohibited

Oklahoma

No Health/Sickness Exclusion Law

Oregon

Denial Benefits Prohibited

Pennsylvania

Denial Benefits Permitted

Rhode Island

Denial Benefits Prohibited

South Carolina

Denial Benefits Permitted

South Dakota

Denial Benefits Prohibited

Tennessee

Denial Benefits Permitted

Texas

No Health/Sickness Exclusion Law

Utah

No Health/Sickness Exclusion Law

Vermont

No Health/Sickness Exclusion Law

Virginia

Denial Benefits Permitted

Washington

Denial Benefits Prohibited

West Virginia

Denial Benefits Permitted

Wisconsin

No Health/Sickness Exclusion Law

Wyoming

Denial Benefits Permitted

Year

Denial Permitted

Denial Prohibited

1998

40 states

1 state

1999

40 states

1 state

2000

40 states

1 state

2001

40 states

2 states

2002

38 states

3 states

2003

36 states

4 states

2004

36 states

4 states

2005

35 states

5 states

2006

34 states

6 states

2007

33 states

9 states

2008

29 states

14 states

2009

28 states

15 states

2010

26 states

17 states

2011

26 states

17 states

2012

26 states

17 states

2013

26 states

17 states

2014

25 states

17 states

2015

25 states

17 states

2016

24 states

17 states

2017

24 states

17 states