Know Your Insurance Rights

CourthouseCertain health-related federal laws in the United States are designed to protect your rights no matter what type of insurance you have. Use this page to learn about these laws, understand your rights, and discover how you can take action if you feel that your rights are being violated.

If you lost your job or will stop working soon

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

If you are concerned about the privacy of your medical information

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

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

If you are being prevented from accessing insurance plan information

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

If you have an urgent family medical emergency

FMLA provides employees with the right to take time off to address family medical issues. Determine if you are eligible for leave under FMLA here.


Contact us with insurance questions, success stories, suggestions, or requests to volunteer.

PHA is proud to be able to make educational materials and programs like these available for free to everyone because of the generous support from members of the community just like you. Donations are welcome!


Help Build Our Program

Contribute an Insurance Letter
Submit a successful insurance letter to our template letters collection and help other PHers overcome insurance challenges!

Browse our collection and learn more about submitting a letter.

Become an Insurance Volunteer

Carol Morrison, PHA insurance volunteer

Carol Morrison, PHA insurance volunteer, uses her 15-plus years of experience in the insurance industry to help develop resources for the PH community.

Get involved with PHA's insurance program

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.