? One of the mandates in the health reform acts is that health insurers cannot take into account a childs pre-existing medical condition when the child applies for a health insurance Georgia policy. This would result in increases in premiums to all members of that particular health insurance Georgia plan. The reason for this is that health insurance Georgia companies determine the approximate costs that any particular member will incur, and that total amount is distributed to all of the plan members. If the health insurance Georgia provider determines that due to a pre-existing medical condition, or high health risk, the member would cause a lot of expensive costs to the plan, they would have denied that persons enrollment during the application process, in the past. However, this is now prohibited from occurring. Therefore, accepting high health risk children or children with pre-existing conditions will lead to an increase in premium costs. The way some health insurance Georgia companies are dealing with that is they have eliminated some Child Only health insurance Georgia policies. Many providers have discontinued the sale of these particular health insurance Georgia policies. Families can still add their children to a group health insurance Georgia plan, and the government is offering a health insurance Georgia policy that costs $323 per month per child. In the past, however, some health insurance Georgia companies, such as Blue Cross Blue Shield had offered $60 per month health insurance Georgia Child Only plans. This is a very big unfortunate event for many families who had used and enjoyed this particular health insurance Georgia plans. Many of these changes to Child Only health insurance Georgia policies go into affect for applications received after September 30, 2010. Certain health insurance Georgia product lines will no longer accept applications for a primary applicant under the age of 19, such as Blue Cross Blue Shield Personal Blue individual product line. If you have already applied for a Personal Blue health insurance Georgia policy before the cut off date of September 30, 2010, it will still be processed as requested. Children who are eligible dependents of a Personal Blue health insurance Georgia policy member may continue to apply for coverage as dependents. Although these changes are causing some inconveniences to some health insurance Georgia plan members, they are one of the results of the health reform acts. It is difficult to predict how many more changes, and which of them will cause inconvenience to members of health insurance Georgia plans, will occur when all of the mandates go into effect. Of course, this is a fairly slow process, with changes becoming effective between now and January 1, 2014. The federal and state governments are working with the health insurance Georgia industry to determine how to work out the details of the requirements and new mandates that were passed into law this past spring. Although the health reforms bills are huge in their number of pages, they could not have spelled out every last detail of how every change would work and would be carried out by each particular health insurance Georgia Company. Therefore, there is still much work to be done.