Question

What is one way that the Health Insurance Portability and Accountability Act (HIPAA) limits exclusions to the rules for preexisting conditions?

a) It allows employer-provided health plans to look back only 6 months for preexisting conditions.
b) In most instances, it limits the amount of time health plans can require an individual to sit out of coverage to no more than 3 months.
c) It allows employer-provided health plans to look back only 18 months for preexisting conditions.
d) In most instances, it limits the amount of time health plans can require an individual to sit out of coverage to no more than 6 months.

Answer 1

HIPAA limits exclusions for preexisting conditions by allowing employer-provided health plans to look back only 6 months for preexisting conditions, which is crucial for the accessibility of health insurance.

Step-by-step explanation:

One way that the Health Insurance Portability and Accountability Act (HIPAA) limits exclusions to the rules for preexisting conditions is a) It allows employer-provided health plans to look back only 6 months for preexisting conditions. Prior to the enactment of the Patient Protection and Affordable Care Act (ACA), commonly known as Obamacare, health insurers could deny coverage based on preexisting conditions. The ACA, however, mandated that people with preexisting conditions could no longer be denied health insurance, allowing many who were previously uninsured or underinsured to gain health insurance coverage.