Question

Bill is going to switch employers, and therefore switch healthcare providers. Which federal law ensures that he won't be denied coverage when he switches health plans?

Option 1: Health Insurance Portability and Accountability Act (HIPAA)
Option 2: Affordable Care Act (ACA)
Option 3: Consolidated Omnibus Budget Reconciliation Act (COBRA)
Option 4: Employee Retirement Income Security Act (ERISA)

Answer 1

The Health Insurance Portability and Accountability Act (HIPAA) is the federal law that ensures an individual won't be denied coverage when switching health plans due to pre-existing conditions.

Step-by-step explanation:

The federal law that ensures Bill won’t be denied coverage when he switches health plans is the Health Insurance Portability and Accountability Act (HIPAA). HIPAA was passed into law in 1996, and among its various provisions, it helps protect individuals who change jobs or health care plans by guaranteeing that their coverage can continue even in the event of pre-existing conditions.

It also entails standards for the protection of patient health information. While other laws like the Affordable Care Act (ACA) and the Consolidated Omnibus Budget Reconciliation Act (COBRA) also address health insurance issues, HIPAA is the specific law preventing health plans from denying coverage due to past or present health problems.