The Health Insurance Portability and Accountability Act (HIPAA) provides rights and protections for participants and beneficiaries in group health plans. HIPAA
includes protections for coverage under group health plans that limit exclusions for pre-existing conditions; prohibit discrimination against employees and dependents
based on their health status; and allow a special opportunity to enroll in a new plan to individuals in certain circumstances. HIPAA may also give you a right to
purchase individual coverage if you have no group health plan coverage available, and have exhausted COBRA or other continuation coverage.
-- Excerpt courtesy the US Department of Labor
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