However, people holding policies are not generally protected by these guarantees if:
- Their insurer was not authorized to do business in this state when it issued the policy;
- Their policy was issued by a health care service plan (HMO),Blue Cross, Blue Shield, a charitable organization, a fraternal benefit society, a mandatory state pooling plan, a mutual assessment company, an insurance exchange, or a grants and annuities society;
- They are eligible for protection under the laws of another state, such as when the insolvent insurer was incorporated in another state whose guaranty association protects insureds outside that state.
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