The Consumer Guides for Getting and Keeping Health Insurance are intended to help consumers understand their protections under federal and state law. The authors have made every attempt to assure that the information presented in these guides is accurate as of the date of publication.  However, each guide is a summary, and should not be used as a substitute for legal, accounting, or other expert professional advice.  Readers should consult insurance regulators or other competent professionals for guidance in making health insurance decisions.  The authors, Georgetown University, and the Health Policy Institute specifically disclaim any personal liability, loss or risk incurred as a consequence of the use and application, either directly or indirectly, of any information presented herein.