Congress enacted the Health Insurance Portability and Accountability Act (HIPAA) to potentially help millions of employees gain
Question:
Congress enacted the Health Insurance Portability and Accountability Act (HIPAA) to potentially help millions of employees gain access to group health insurance. The key provision of HIPAA requires insurance companies and health insurance plans administered by employers who self-insure to provide all employees access to health insurance regardless of previous medical conditions. This provision is known as “guaranteed issue” and is a controversial topic in the insurance industry. Explain why this is controversial legislation.
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In the absence of guaranteed issue an insurance company could choose to insure only tho...View the full answer
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