Does HIPPA protections for pre-existing conditions apply to a group of a single person?
I work contract (no employer based insurance) and so have purchased my own health insurance directly without government assistance. But, I have a pre-existing condition and as I understand that is only protected by ACA and HIPPA. In addition, that latter applies only to group plans and not individual coverage as I have.
With news of ACA potentially being eliminated and looking for ways to retain insurance I have found that CA allows individuals to incorporate a business with just one person and some CA insurance companies provide group plans for groups of one.
Sounds complicated but great if it's true. But, a group of one sounds a little sketchy like there may be loop holes for this where HIPPA wouldn't apply.
Anybody know if such a thing could work?
Anonymous2021-04-01T02:32:02Z
Even if it would "work" that doesn't mean you could afford it. The plan for a group of one might cost you thousands of dollars every month.
To responders of this question, thank you but really you need to read the law. It's called Health Insurance PORTABILITY and accountability act for a reason. I know most of us are only familiar with the security part because that's the form you sign at the doctor's office, but that is only part. In whole it has the following elements:
1. Assure health insurance portability by eliminating job-lock due to pre-existing conditions.
2. Reduce fraud and abuse.
3. Enforce health information standards
4. Insure security and privacy of health information
Please read the law so you can understand it, especially Title I.
How did you research when you have the name wrong? It's HIPAA, not HIPPA.
HIPAA controls the release of medical information to third parties.
Yes, you could incorporate and apply for insurance as a business. I actually AM incorporated and DO run a business - two employees - and provide health insurance.
HOWEVER, that has NOTHING to do with HIPAA.
I would respectfully suggest that you retain legal counsel due to your total misunderstanding of HIPAA.
Explanation of HIPAA - someone wants your medical information. That info cannot legally be released without your consent. Family members can't obtain the information. HIPAA has NOTHING TO DO WITH HEALTH INSURANCE.
HIPPA is actually HIPAA, and it does not apply to whatever you are trying to do.
HIPAA has to do with the sharing of your private medical information. So your Insurance company, employer, or doctor can't disclose your medical information without your approval...except in certain conditions. Those conditions include the sharing of your information between different entities for a permissible purpose.
In other words if you are somehow thinking that HIPAA will keep your insurance company from finding out about a pre-existing condition...it won't.