Is it legal within the HIPAA law for your Life Insurance Broker to tell others about my private medial records?

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Asked October 19, 2015

1 Answer


No, it is not legal for a life insurance broker to disclose your private medical records to others under the Health Insurance Portability and Accountability Act (HIPAA). HIPAA is a federal law that provides privacy protections for individuals' medical information, including their health history and medical records. HIPAA requires that covered entities, which includes healthcare providers, health plans, and healthcare clearinghouses, maintain the privacy and confidentiality of individuals' medical information. This includes protecting against unauthorized disclosures of medical information to third parties. While life insurance companies are not considered covered entities under HIPAA, they are subject to other privacy laws and regulations that require them to protect individuals' medical information. Specifically, the Gramm-Leach-Bliley Act (GLBA) and state insurance laws generally require life insurance companies and brokers to maintain the privacy and confidentiality of individuals' personal and medical information. In general, a life insurance broker may only disclose your medical information to others if they have obtained your written consent or if the disclosure is otherwise authorized by law. For example, a life insurance company or broker may be required to disclose certain medical information in order to underwrite or administer a policy, but this disclosure would generally be limited to the minimum necessary information needed to perform these functions. If you believe that your life insurance broker has improperly disclosed your medical information to others, you should contact the insurance company or broker directly to address your concerns. Additionally, you may wish to file a complaint with the relevant state insurance department or the Office for Civil Rights, which is responsible for enforcing HIPAA.

Answered October 22, 2015 by quotebroker

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