What is a major point of Title 1 of HIPAA?

Title 1 of HIPAA primarily focuses on health insurance reform, specifically addressing issues related to the availability and portability of health insurance coverage. One of the significant provisions is the guarantee of renewability, which ensures that individuals cannot be denied health insurance coverage or have their coverage terminated based on health status or claims history. This means that as long as a person has been paying their premiums, they are entitled to renew their health insurance policy, which is crucial for maintaining continuous coverage, especially for those with preexisting conditions.

This aspect of Title 1 helps to protect individuals from losing their health insurance as they transition between jobs or if they experience health issues, thereby providing a safety net that supports the continuity of healthcare access. The emphasis on guarantee of renewability is a key component in fostering stability in the health insurance system and enhancing the confidence of individuals in maintaining their health coverage over time.