Insurance Portability Failing

— NPR's Patricia Neighmond reports that a law meant to help more Americans receive health insurance isn't working. Congress passed the Health Insurance Portability and Accountability Act in 1996. The law is supposed to guarantee people the ability to buy individual coverage if they lost their job and the group health coverage it provided. Studies have found that insurance companies are refusing to sell policies to people with medical problems — and charging individuals much higher premiums... ranging from 40% to 600% higher than the standard rate.



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