Q & A – What is HIPAA portability?

Q: What is HIPAA portability?

A: The Health Insurance Portability and Accountability Act of 1996 (“HIPAA”) requires group health plans to follow certain requirements for the portability, special enrollment and nondiscrimination of those plans. These requirements make health coverage more portable for people who change jobs and they prohibit discrimination based on health status. Specifically, HIPAA restricts how health plans apply preexisting condition exclusions and requires health plans to provide certificates of creditable coverage and to permit special mid-year enrollments.