What does "health insurance portability" enable an individual to do?

Health insurance portability primarily allows individuals to maintain their health coverage when they change jobs or insurance plans. This concept is particularly important in providing stability and continuity of care. For instance, when someone changes employment, it can be challenging to transition coverage without gaps that could leave them temporarily uninsured. Portability provisions ensure that individuals can carry over their coverage without losing benefits or having to undergo new waiting periods for pre-existing conditions.

This assurance increases access to necessary healthcare services and supports individuals as they navigate changes in their employment, helping them avoid the stress and potential financial burdens of being without insurance. The emphasis is on keeping the coverage active, regardless of employment changes, rather than simply the ability to switch providers or policies.

The other options do not accurately capture the essence of health insurance portability. Transferring benefits to family members or using benefits across state lines may have specific regulations but are not the primary focus of portability provisions. Similarly, while changing insurance companies without penalties can be a related concern, it doesn't reflect the core principle of maintaining one's health coverage amidst changes in one's job situation.