Online Insurance Guide

Know Your Insurance Rights

You have rights, no matter what type of insurance you have. Knowing these rights will help you get the treatment you’re entitled to. Here are some of the basics:

Affordable Care Act (ACA) prohibits insurance companies from denying you coverage based on a pre-existing condition and creates Marketplaces as a way to get coverage.

COBRA allows you to keep your health insurance policy if you are losing or changing jobs.

ERISA requires insurances providers to disclose plan benefits and funding levels, as well as how you can manage and access your benefits.

FMLA provides employees with the right to take time off to address family medical issues.

GINA prohibits insurance providers and employers from discriminating on the basis of your genetic information.

HIPAA protects your personal information while also allowing healthcare administrators to conduct necessary business operations.


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The information provided on the PHA website is provided for general information only. It is not intended as legal, medical or other professional advice, and should not be relied upon as a substitute for consultations with qualified professionals who are familiar with your individual needs.

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The National Organization for Rare Disorders (NORD) awarded PHA the Abbey S. Meyers Leadership Award in 2012 for outstanding service to PHA members in advocacy, education and other key areas.