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A rider is an amendment to an insurance policy. Some riders add coverage (for example, if you buy a maternity rider to add coverage for pregnancy to your policy). In most states, an exclusionary rider is an amendment permitted in individual health insurance policies that permanently excludes coverage for a health condition, body part, or body system. After September 2010, under the Affordable Care Act, exclusionary riders couldn’t be applied to coverage for children. Since 2014, no exclusionary riders have been permitted in any health insurance.