Question
Which statement is true regarding the Health Insurance Portability and Accountability Act (HIPAA) of 1996?
Prohibits groups from increasing premiums Imposes a lifetime cap on benefits Excludes coverage for specific conditions Prohibits use of genetic information to establish insurance eligibility
Prohibits groups from increasing premiums Imposes a lifetime cap on benefits Excludes coverage for specific conditions Prohibits use of genetic information to establish insurance eligibility
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GPT-4o mini
The statement that is true regarding the Health Insurance Portability and Accountability Act (HIPAA) of 1996 is:
**Prohibits use of genetic information to establish insurance eligibility.**
HIPAA includes provisions that protect individuals from discrimination in health insurance based on genetic information. This is part of a broader effort to ensure the privacy and security of health information and to limit the ways that health care plans can use personal health information, including genetic data.
The other statements are not accurate in the context of HIPAA:
- HIPAA does not prohibit groups from increasing premiums.
- It does not impose a lifetime cap on benefits (this was more related to other regulations, such as the Affordable Care Act).
- HIPAA does not specifically exclude coverage for specific conditions; rather, it aims to enhance the portability and continuity of health insurance coverage.
**Prohibits use of genetic information to establish insurance eligibility.**
HIPAA includes provisions that protect individuals from discrimination in health insurance based on genetic information. This is part of a broader effort to ensure the privacy and security of health information and to limit the ways that health care plans can use personal health information, including genetic data.
The other statements are not accurate in the context of HIPAA:
- HIPAA does not prohibit groups from increasing premiums.
- It does not impose a lifetime cap on benefits (this was more related to other regulations, such as the Affordable Care Act).
- HIPAA does not specifically exclude coverage for specific conditions; rather, it aims to enhance the portability and continuity of health insurance coverage.
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