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Health Insurance Laws

Health Insurance laws and protections are very much there, however, I would point out that these laws and protections seem to be to protect the health insurance companies at the expense of the individual.

In any case, here you are angry and reading the health insurance laws on a website determined to find out if you can obtain coverage.  Before you go any further, I would recommend that you call us at Every Choice Health Insurance at 888 803 5917 for a free health insurance quote or let us help unravel whatever situation you are in.

Believe me, we can help you.

Every Choice Health Insurance has documented every free public resource in the United States.

The fact is that even before any health reform law was passed, nearly 40% of the uninsured are eligible for a free government health program or some kind of public assistance program and just didn’t know it.

Additionally, we know every single health insurance loophole in the book and will get you health insurance or health coverage, period.  We will never talk about a discount program as we don’t even know the names of any.

Moving on past the promotional stuff, if you are looking for a specific health insurance law or protection, I recommend you go to your particular state as we also try to include all health insurance laws relative to your state in addition to our national section.

If you are in the health insurance market, particularly you will find that we have a vast resource of information for you, whether it is a government program database or a unknown health insurance law.


A Brief History of US Health Insurance and Background


The United States mixed economy health care system relies heavily on private (for profit) and not-for-profit health insurance, which is the primary source of coverage for most Americans.

According to the United States Census Bureau, approximately 86% of Americans have health insurance; some 53% obtain it through an employer, while about 9% purchase it directly. Various government agencies provide coverage to about 34% of Americans (there is some overlap in these figures).

Public programs provide the primary source of coverage for most seniors citizens and for low-income children and families who meet certain eligibility requirements.

The primary public programs are Medicare, a federal social insurance program for seniors and certain disabled individuals; Medicaid, funded jointly by the federal government and states but administered at the state level, which covers certain very low income children and their families; and SCHIP, also a federal-state partnership that serves certain children and families who do not qualify for Medicaid but who cannot afford private coverage.

Other public programs include military health benefits provided through TRICARE and the Veterans Health Administration, and benefits provided through the Indian Health Service. Some states have additional programs for low-income individuals.

A few states took serious steps toward universal health care coverage prior to nationwide health reform, most notably Minnesota, Massachusetts and Connecticut. Examples being the Massachusetts 2006 Health Reform Statute and Connecticut’s SustiNet plan to provide quality, affordable health care to state residents.

In 2013, there were 42.0 million people in the United States (13.4% of the population) who were without health insurance for at least part of that year.  Though the number decreased from 2011 at 48 million, there are still many Americans without coverage. The uninsured rate remains higher among people with a lower income, at 23.8 percent in the fourth quarter of 2014.


Understanding HIPAA Privacy

The Privacy Rule provides federal protections for personal health information held by covered entities and gives patients an array of rights with respect to that information.

At the same time, the Privacy Rule is balanced so that it permits the disclosure of personal health information needed for patient care and other important purposes.


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