HIPAA Certificates Of Creditable Coverage Eliminated

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The Health Insurance Portability and Accountability Act of 1996 (HIPAA) required certificates of creditable coverage to be issued to individuals switching from one health insurance plan to another to bypass pre-existing condition exclusions. The Affordable Care Act (ACA) prohibits the use of pre-existing condition exclusions for most health plans beginning in 2014. In light of the ACA prohibitions, beginning on December 31, 2014 health plans will no longer need to issue certificates of creditable coverage.


The final regulations on this matter can be found at http://www.gpo.gov/fdsys/pkg/FR-2014-05-27/pdf/2014-11657.pdf