The conference report for H.R. 3103, the Health Insurance Portability and Accountability Act of 1996, provides for changes in the private heath insurance market. The bill guarantees the availability of private heath insurance coverage for certain groups and restricts the use of preexisting condition restrictions. Renewal of coverage will be guaranteed with limited exceptions. Although H.R. 3103 creates federal standards for insurers, health maintenance organizations (HMOs), and employers who self-insure, the bill permits substantial state flexibility for compliance. This report examines the major features of H.R. 3103 regarding heath insurance.

HIPAA AND GROUP HEALTH BENEFIT PLANS by Judi Newman Beginning April 14, 2003, the Health Insurance Portability & Accountability Act (HIPAA) will require many employers, most health ...

The April 14, 2004 deadline for HIPAA Privacy Rule has come and gone. Confusion still reigns...