Which group plan is NOT subject to HIPAA regulations?

Health Insurance Portability and Accountability Act (HIPAA) regulations primarily focus on protecting the privacy and security of health information as well as ensuring that individuals can maintain their health insurance coverage under certain conditions. In the context of group plans, HIPAA typically applies to plans that provide medical benefits.

Disability income plans, while they provide a form of financial support, are not classified as health insurance in the same way that the other options are. These plans are designed to replace lost income due to the inability to work resulting from a disability, rather than to cover medical expenses or provide healthcare services. Because they do not primarily deal with the provision of health benefits, they fall outside the scope of HIPAA regulations, which are concerned with the handling and protection of health-related information.

In contrast, health savings account plans, long-term care insurance plans, and health maintenance organization plans all relate directly to healthcare services or expenses. These types of plans involve handling medical information and therefore must comply with HIPAA to ensure the privacy and security of individuals’ health data.