What occurs when an insurer's health insurance policy provisions contradict state law?

When an insurer's health insurance policy provisions contradict state law, these provisions are automatically changed to comply with the law. This is due to the principle of legality, which dictates that any policy provisions must adhere to the regulations set forth by the state. Insurers are required to ensure their policies align with state mandates, as state law serves to protect consumers and maintain fairness in insurance practices.

If a provision is found to be in conflict with state law, rather than the policy being voided or the insurer ignoring the law, it is automatically adjusted. This ensures that policyholders benefit from the protections guaranteed by state regulations, ultimately promoting legal compliance and consumer trust within the insurance industry.