Which act prohibits discrimination in group health plans based on an individual's health status?

The correct answer is that the Health Insurance Portability and Accountability Act (HIPAA) prohibits discrimination in group health plans based on an individual's health status. HIPAA was enacted to enhance the portability and accountability of health insurance coverage, and it includes provisions that specifically address health status discrimination.

One of the key features of HIPAA is its prohibition against group health plans discriminating against individuals in terms of eligibility, benefits, and premiums solely based on health factors. This includes aspects such as medical conditions, claims experience, and predictive genetic information, ensuring that individuals are not unfairly penalized because of their health status when trying to obtain health insurance coverage.

In contrast, while the Americans with Disabilities Act (ADA) protects individuals with disabilities from discrimination in various areas, it does not specifically address health status discrimination in health plans. The Genetic Information Nondiscrimination Act (GINA) primarily focuses on preventing discrimination based on genetic information in employment and health insurance contexts but is not as broad as HIPAA in terms of overall health status discrimination. The Employee Retirement Income Security Act (ERISA) governs employee benefit plans and sets standards but does not directly address discrimination based on health status in group health plans.

Thus, HIPAA is the most relevant legislation concerning the