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      The primary NAIC models affecting the individual healt insurance market are: The Uniform Individual Accident and Sickness Policy Provision Law (UPPL); The Accident and Sickness Insurance Minimum Standards Model Act; The Advertisements of Accident and Sickness Insurance Model Regulation; and The Unfair Trade Practices Act. All of these models have been implemented in most durable bathtub one form or another by most states. Federal laws affecting individual health insurance include: The Health Insurance Portability and Accountability Act (HIPAA); The Newborns' and Mothers' Health Protection Act; The Women's Health and Cancer Rights Act; The Fair Credit Reporting Act; and Federal rules governing Medicare supplement policies.[39] Private: Types of medical insurance in most durable bathtub the U.S. Traditional indemnity or fee-for-service Commercial insurance companies began offering accident and sickness insurance (disability insurance) as early as the mid-1800s.[40][4] Hospital and medical expense policies were introduced during the first half of the 20th century. You can bet that the next roll of the dice is going to be a 3, 4, 9, 10 or 11. Fire, automobile accidents, and worker injuries may all easily meet this criterion