Health Care Overview

Health care law encompasses federal laws governing health insurance programs and state laws that preserve patients' rights. For instance, health insurance laws govern the operations of health maintenance organizations, or HMOs, and grant people the right to keep their insurance coverage if they lose their job or change jobs.

Federal law guarantees health insurance plan participants access to information about their plan. If your insurance company refuses to pay a health claim, you have the right to appeal their decision. The U.S. Employee Benefits Security Administration oversees enforcement of federal health care laws and can assist you if you feel your health care insurer has treated you unfairly. You can also hire a good health care attorney to help.