Health Insurance Portability and Accountability Act (HIPPA) Practice Exam

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Which group is primarily targeted by Title I of the HIPAA ruling?

Health plans
Healthcare providers
Patients
Insurance companies

The correct answer is: Health plans

Title I of the HIPAA ruling is primarily focused on health plans, specifically addressing the protection of health insurance coverage for individuals and their families when they change or lose their jobs. This provision aims to ensure that individuals do not lose their health insurance benefits due to pre-existing conditions, allowing for greater portability of health insurance. The significance of Title I lies in its ability to provide a safety net for workers, ensuring that they maintain necessary health coverage during transitions in employment. It also regulates the practices of health plans, mandating that they cannot impose discriminatory practices in issuing or managing insurance coverage based on health status. While healthcare providers, patients, and insurance companies play critical roles in the healthcare system, Title I is explicitly designed to protect health plans' policies and the fundamental rights of insured individuals, making it distinctively focused on this group.