Numerous state and federal laws make it easier for people with pre-existing conditions to get or keep health insurance, or to change from one health plan to another.  A federal law, known as the Health Insurance Portability and Accountability Act (HIPAA) sets national standards for all health plans.  In addition, states can pass different reforms for the health plans they regulate (fully insured group health plans and individual health policies), so your protections may vary if you leave Kentucky.  Neither federal nor state laws protect your access to health insurance in all circumstances.  So please read this guide carefully.

The following information summarizes how federal and state laws do - or do not - protect you as a Kentucky resident.