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Can a group health plan deny me coverage based on my health status?

A group plan cannot deny you or any eligible family member coverage based on your health status, because of a law known as HIPAA -- the Health Insurance Portability and Accountability Act. HIPAA limits the ability of a new employer plan to exclude coverage for preexisting conditions; prohibits discrimination against employees and their dependent family members based on any health factors they may have, including prior medical conditions, previous claims experience, and genetic information; and guarantees that certain individuals will have access to, and can renew, individual health insurance policies.

Certain state laws may complement HIPAA, or offer even more generous protections. To find out about the laws in your state, contact your state's insurance commissioner's office. 

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Important: This content reflects information from various individuals and organizations and may offer alternative or opposing points of view. It should not be used for medical advice, diagnosis or treatment. As always, you should consult with your healthcare provider about your specific health needs.