In 1996, Congress passed the Health Insurance Portability and Accountability Act (HIPAA), which increased the...

Applies to group health insurance plans only

Limits the length of a health plan’s pre-existing condition exclusion period for a previously covered individual to a maximum of six months after enrollment.

Guarantees access to healthcare coverage for small businesses and previously covered individuals who meet specified eligibility requirements.

Guarantees renewability of group and individual health coverage, provided the insureds are still in good health