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Reader’s question:
What is HIPAA, anyway?
-Patricia
Founded in 1996, HIPAA, or the Health Insurance Portability and Accountability Act.
This law protects individuals with pre-existing conditions to move from one family health insurance plan to another under the application of “creditable coverage.” It doesn’t just work with family health insurance plans—it also works for group health plans and individual policies as well.
Let’s say you change jobs. Your new, cheap health insurance plans has issues with your “pre-existing condition” of hypertension. HIPAA will guarantee the new, cheap health insurance plan can’t deny you entrance based on your hypertension.
If you are interested in getting a new family health insurance plan, HIPAA includes protections for individual policies that guarantee access to people that qualify, and guarantee renewability of individual policies.
Nicholas
