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Summary of differences between federal and state regulations
Federal HIPAA portability provisions limit exclusions for preexisting conditions; prohibit discrimination against employees and dependents based on their health status; and allow a special opportunity to enroll in a new plan to individuals in certain circumstances.
States are allowed to go beyond the federal requirements. Oregon follows the federal requirements for the most part. However, for small employers (those with 50 or fewer employees), the preexisting conditions must terminate six months following the enrollee’s effective date of coverage, or ten months following the start of any required group eligibility waiting period. For other employers (those with more than 50 employees) a preexisting conditions provision in a group health benefit plan must terminate six months following the enrollee’s effective date of coverage, or 12 months following the start of any required group eligibility waiting period; for a late enrollee, not later than 12 months following the late enrollee’s effective date of coverage.
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Regulations
Oregon Revised Statutes
Chapter 743 Health and Life Insurance
https://www.oregonlegislature.gov/bills_laws/ors/ors743.html
§743.737, 743.754.