Most insurance companies provide a unique application when applying for HIPPA coverage. Perhaps your broker was not aware of this, or sent you the wrong application. You can contact the insurance company directly and ask them what you should do. You are absolutely correct. If you are applying for guaranteed issue coverage under HIPPA laws, your health history is irrelevant to your eligibility. The insurance company can gather some information to determine your HIPPA eligibility and will ask for proof that you have had 18 months of continuous coverage.