Title I – Protects health insurance coverage for workers and their families when they change or lose their jobs. Title II – Requires the Department of Health and Human Services to establish national standards for electronic health care transactions and national identifies for providers, health plans, and employers. It also addresses the security, confidentiality, and privacy of health data.
Federal law that guarantees health care plan eligibility for people who change jobs, if the new employer offers group insurance.
HIPAA. A federal law enacted in 1996, offering limited protections to ensure continuity of health care coverage. Under HIPAA, insured individuals who have a health condition cannot be denied benefits when they change jobs. It also prevents health plans from refusing coverage on the basis of pre-existing conditions. But HIPAA puts no limits on premiums that may be charged.