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The
Health Insurance Portability and Accountability Act (HIPAA) of 1996
insures as its first objective, a guarantee of health insurance
portability for employees and their family members following a job
action such as a lay-off, or change of job instigated by the employee.
Under HIPAA Title I, "HEALTH CARE ACCESS, PORTABILITY, AND
RENEWABILITY", employers and health plans must allow a new
employee's medical insurance coverage to remain continuous without
regard to pre-existing conditions.
The Health Insurance Portability and Accountability Act (HIPAA) of 1996
provides the following:
- New underwriting
policies and requirements for self-funded health plans under the
rules and regulations of ERISA.
- New protections for
persons whose group coverage has been terminated, and
- Federal guidelines
for insurance underwriting practices of both small and large groups.
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