Health Protection for Individual Insurance

Authored by , LegalMatch Law Library Managing Editor and Attorney at Law

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What Is HIPAA?

The Health Insurance Portability and Accountability Act (HIPPA) was enacted to reform healthcare in America. The HIPAA legislation had several objectives:

Does HIPAA Protect American Workers Who Need Individual Insurance?

HIPAA offers the most protection to new employees who want to enroll in an employer's group health plan. For more information, see HIPAA Protection When Changing Jobs.

However, HIPAA offers limited protection to individuals who have no choice but to switch from a group health plan to individual insurance. This may occur when your employer discontinues health insurance benefits, when you lose your job, or if you decide to become self-employed. Under HIPAA, you are guaranteed the right to purchase individual insurance coverage without the threat of exclusion for pre-existing medical conditions if:

What Can I Do to Ensure that My Rights Are Protected under HIPAA?

Whenever you leave any health plan, make sure that you get a "certificate of creditable coverage" in writing. Your certificate should include:

Do I Need a Lawyer to Help Me with My HIPAA Problem?

Interpreting the HIPAA laws can be complicated. An experienced health insurance attorney can help you understand your rights under the HIPAA laws. If you believe your health insurance company is acting in bad faith and improperly denying you coverage, an attorney will know all the ins-and-outs of taking on a big health insurance company.

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Last Modified: 11-22-2011 04:30 PM PST

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