Category: Laws and Regulations in Life and Health Insurance

The Health Insurance Portability and Accountability Act (HIPAA), enacted in 1996, serves as one of the most important pieces of legislation in the United States for protecting patients’ rights and health information. HIPAA is widely recognized for establishing guidelines around the privacy, security, and portability of health insurance, fundamentally shaping how healthcare providers, insurers, and… Read more

Life insurance is an essential financial tool that provides peace of mind for individuals and their loved ones by offering a financial cushion in the event of unexpected loss. As with any industry, however, life insurance is subject to change and regulation by both state and federal authorities, with new policies and guidelines emerging over… Read more

The healthcare landscape in the United States is continually evolving, especially as new laws and regulations shape the structure and accessibility of health insurance. Policy renewals, in particular, are significantly influenced by these changes. For millions of Americans who rely on health insurance coverage, understanding how these laws impact policy renewals is essential to securing… Read more

Pre-existing conditions, ranging from chronic illnesses to past surgeries or even mental health issues, can influence health insurance coverage and costs. Although the Affordable Care Act (ACA) introduced protections for individuals with pre-existing conditions, it’s still important to understand how such conditions affect health insurance in different contexts. This article explores how pre-existing conditions impact… Read more

Health insurance is essential in the United States, where medical expenses can be overwhelming without adequate coverage. The enrollment rules for health insurance are designed to help individuals and families access necessary healthcare coverage and provide flexibility to accommodate life changes. In this guide, we’ll break down everything you need to know about health insurance… Read more