About Portability Of Health Coverage And HIPAA Printer Friendly Version What is the Health Insurance Portability and Accountability Act of 1996 (HIPAA)?
• Limits the ability of a new employer plan to exclude coverage for preexisting conditions; • Provides additional opportunities to enroll in a group health plan if you lose other coverage or experience certain life events; • Prohibits discrimination against employees and their dependent family members based on any health factors they may have, including prior medical conditions, previous claims experience, and genetic information; and • Guarantees that certain individuals will have access to, and can renew, individual health insurance policies. HIPAA is complemented by state laws that, while similar to HIPAA, may offer more generous protections. You may want to contact your state insurance commissioner’s office to ask about the law where you live. A good place to start is the Web site of the National Association of Insurance Commissioners at www.naic.org. One of the most important protections under HIPAA is that it helps those with preexisting conditions get health coverage. In the pas
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