Post Claims Underwriting and Rescission Practices

November 25, 2009 The report was written by Peter Harbage, MPP, Harbage Consulting, Hilary Haycock, Harbage Consulting, and Meredith King Ledford, Harbage Consulting. Regulation of the individual health insurance market is conducted through a mix of federal and state efforts. While federal law primarily delegates insurance regulation to the states, the federal Health Insurance Portability and Accountability Act of 1996 (HIPAA) offers important consumer protections that states are to enforce. Among other things, HIPAA requires health insurers to renew or continue health insurance coverage at the policyholder's discretion. This paper seeks to help policymakers understand what does and does . . .