This article provides information about HIPAA and how it can benefit you. This article is from the U.S Department of Labor.
HIPAA Protects Workers and Their Families by
- Providing additional opportunities to enroll in group health plan coverage when they lose other health coverage, get married or add a new dependent.
- Prohibiting discrimination in enrollment and in premiums charged to employees and their dependents based on any health factors.
Preserving the states’ role in regulating health insurance, including the states’ authority to provide greater protections than those available under Federal law.
Employees and their family members cannot be denied eligibility or benefits based on certain "health factors". They also cannot be charged more than similarly situated individuals based on any health factors. “Health factors” include medical conditions, claims experience, and genetic information.
HIPAA and the Affordable Care Act (ACA) also provide protections from impermissible discrimination based on a health factor in wellness programs related to group health plan coverage (such as those that encourage employees to work out, stop smoking or meet certain health standards such as a target cholesterol level).