How long can late enrollees face exclusion for preexisting conditions?

In Indiana, late enrollees can face exclusion for preexisting conditions for a maximum of 12 months. This period starts from the date the individual enrolls in the health plan. The law provides this duration as a way to balance the interests of insurers, who need to control costs associated with late enrollees, and the rights of consumers seeking timely access to health insurance.

It's essential to understand that the exclusion period applies only to conditions that are preexisting, meaning they were diagnosed or treated within a certain timeframe before enrollment. After the exclusion period ends, the insurance coverage must provide benefits for those preexisting conditions.

The other options regarding shorter or longer exclusion periods do not align with the stipulations set forth in the Indiana insurance regulations. Thus, 12 months is the correct duration for late enrollees under the relevant laws.