Every country in the world deploys appropriate rules and regulations to monitor its health insurance industry in order to facilitate transparent operations and services exist in the economy. Apart from employer, an individual who is resident of US must be aware of his rights as well as obligations related with health insurance. There are different Federal as well as state wise laws prevailing in America which regulate health insurance in US.

1. United States National Health Care Act: It provides free health care which is funded through tax revenue to all citizens who are living in United States and all other US territories.It gives all basic and important medical care which includes mental health services, long term care, emergency care, dental services, prescription drugs and vision care.This National Health Care Act allows only public and nonprofit institutions to participate in the program.
2. COBRA: The Consolidated Omnibus Budget Reconciliation Act is one of the important Federal Laws, which gives health coverage to workers from their former employer up to 36 months even after termination of job. However, there should be minimum 20 employees enrolled by the employer in order to be eligible for COBRA. The terminated employee has to pay more premium as there is no employer contribution. So one should check all the eligible criterias vigilantly in order to qualify under COBRA benefit.
3. HIPAA: It is Health Insurance Portability and Accountability Act, which provides portability from a group health insurance policy to an individual health insurance policy. It also gives a switching policy advantage for employee from one employer to other if an individual is covered for at least 18 months in his previous policy.
4. ERISA: It is the Employee Retirement and Income Security Act; it protects every participants of health insurance from the misconduct of employer and insurer. This Act strictly monitors all claims, amendments, transactions, benefits and denials related with health insurance policy.

Over the years, these health insurance laws have given extreme attention to resolve all trouble related with health care for every class of person. The US health insurance laws have played vital role in controlling consumer grievance ratio and spreading awareness among the people about health care duties and rights embedded in their health insurance policy.