Medical Expense✓ Verified · outline & fact-checked · Sep 2026Difficulty 1/5
Under the Health Insurance Portability and Accountability Act (HIPAA), group health plans are generally prohibited from:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
HIPAA's portability rules prohibit group health plans from discriminating in eligibility or setting premiums based on health status, medical history, claims experience, or disability. They also limit preexisting condition exclusion periods and require plans to issue certificates of creditable coverage so departing employees can reduce or eliminate new exclusion periods when they change jobs. Health-status-based eligibility discrimination is the core HIPAA group-market prohibition tested in the legislation-impact objectives.
Why the other options are wrong
- B) HIPAA says nothing about whether employees contribute to premiums; contributory group plans remain common.
- C) Coverage of children to age 26 is an ACA requirement, not a HIPAA provision; HIPAA addresses portability and nondiscrimination.
- D) HIPAA affirmatively requires plans to provide certificates of creditable coverage when coverage ends; that is a duty, not a prohibition.
Memory hook
HIPAA says: your health history cannot be the reason a group plan shuts its door to you.