The Health Insurance Portability and Accountability Act (HIPAA) of 1996 (PL 104-191) continues to generate numerous questions. What kinds of policies does it cover? Does it help people who are currently uninsured? Does it help people with pre-existing medical conditions? How does it affect health insurance premiums? How do its requirements interact with the Consolidated Omnibus Budget Reconciliation Act (COBRA) continuation coverage? Answers to those questions are provided, as well as descriptions of each of the major section of HIPAA.