If you have insurance under hippaa and drop that insurance because your employer starts offering health insurance will you still qualify for hippaa coverage if you get laid off?

HIPAA is not insurance. HIPAA is the Heath Information Portability and Accountability Act passed by congress to protect persons Personal health Information (PHI). There is a clause in HIPAA that states you will receive a certificate of credible coverage for the months you had coverage to waive any pre-existing wait period a new policy may have. Other than that HIPAA only applies to the handling of PHI by insurance companies and third party entities whom work with insurance companies. If you are laid off of your job your employer MUST offer you continuation of the EXACT SAME coverage you had as an employee when you were actively employed. This was also an act passed by congress called COBRA (Consolidated Omnibus Reconciliation Act). The catch is that while you worked there you may have been paying.. say $40 a month for your insurance and your employer was paying the rest. Once you agree to continue your policy under COBRA .. YOU will be paying the ENTIRE premium. So if the premium was $200 when you worked then.. and you were paying $40 a month.. now youll b paying the entire $200. COBRA is only effective for 24 months after you term employment. You also have a limited amount of time to accept the COBRA offer. I hope this helps:) Evan