# 45 CFR § 147.110: Prohibiting discrimination against participants, beneficiaries, and individuals based on a health factor

> Federal · Regulations · In force

URL: https://www.frixlaw.com/law-library/statutes/ecfr-45-147.110

## Section

- **Citation:** 45 CFR § 147.110
- **Heading:** Prohibiting discrimination against participants, beneficiaries, and individuals based on a health factor
- **Jurisdiction:** Federal
- **Kind:** Regulations
- **Status:** In force
- **Text as of:** September 22, 2026
- **Source:** Publisher's official text
- **Location:** Title 45—Public Welfare > SUBTITLE A—Department of Health and Human Services > SUBCHAPTER B—REQUIREMENTS RELATING TO HEALTH CARE ACCESS > PART 147—HEALTH INSURANCE REFORM REQUIREMENTS FOR THE GROUP AND INDIVIDUAL HEALTH INSURANCE MARKETS

## Text

(a) In general. A group health plan and a health insurance issuer offering group or individual health insurance coverage must comply with all the requirements under 45 CFR 146.121 applicable to a group health plan and a health insurance issuer offering group health insurance coverage. Accordingly, with respect to an issuer offering health insurance coverage in the individual market, the issuer is subject to the requirements of § 146.121 to the same extent as an issuer offering group health insurance coverage, except the exception contained in § 146.121(f) (concerning nondiscriminatory wellness programs) does not apply.
(b) Applicability date. This section is applicable to group health plans and health insurance issuers offering group or individual health insurance coverage for plan years (in the individual market, policy years) beginning on or after January 1, 2014. See § 147.140, which provides that the rules of this section do not apply to grandfathered health plans that are individual health insurance coverage.
[78 FR 33192, June 3, 2013]

## Nearby sections

- [45 CFR § 147.100 § 147.100 Basis and scope.](https://www.frixlaw.com/law-library/statutes/ecfr-45-147.100.md)
- [45 CFR § 147.102 § 147.102 Fair health insurance premiums.](https://www.frixlaw.com/law-library/statutes/ecfr-45-147.102.md)
- [45 CFR § 147.104 § 147.104 Guaranteed availability of coverage.](https://www.frixlaw.com/law-library/statutes/ecfr-45-147.104.md)
- [45 CFR § 147.106 § 147.106 Guaranteed renewability of coverage.](https://www.frixlaw.com/law-library/statutes/ecfr-45-147.106.md)
- [45 CFR § 147.108 § 147.108 Prohibition of preexisting condition exclusions.](https://www.frixlaw.com/law-library/statutes/ecfr-45-147.108.md)
- [45 CFR § 147.110 § 147.110 Prohibiting discrimination against participants, beneficiaries, and individuals based on a health factor.](https://www.frixlaw.com/law-library/statutes/ecfr-45-147.110.md)
- [45 CFR § 147.116 § 147.116 Prohibition on waiting periods that exceed 90 days.](https://www.frixlaw.com/law-library/statutes/ecfr-45-147.116.md)
- [45 CFR § 147.120 § 147.120 Eligibility of children until at least age 26.](https://www.frixlaw.com/law-library/statutes/ecfr-45-147.120.md)
- [45 CFR § 147.126 § 147.126 No lifetime or annual limits.](https://www.frixlaw.com/law-library/statutes/ecfr-45-147.126.md)
- [45 CFR § 147.133 § 147.133 Moral exemptions in connection with coverage of certain preventive health services.](https://www.frixlaw.com/law-library/statutes/ecfr-45-147.133.md)
- [45 CFR § 147.136 § 147.136 Internal claims and appeals and external review processes.](https://www.frixlaw.com/law-library/statutes/ecfr-45-147.136.md)
- [45 CFR § 147.138 § 147.138 Patient protections.](https://www.frixlaw.com/law-library/statutes/ecfr-45-147.138.md)
- [45 CFR § 147.145 § 147.145 Student health insurance coverage.](https://www.frixlaw.com/law-library/statutes/ecfr-45-147.145.md)
- [45 CFR § 147.150 § 147.150 Coverage of essential health benefits.](https://www.frixlaw.com/law-library/statutes/ecfr-45-147.150.md)

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Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/ecfr-45-147.110. Check the current official text before relying on it. Not legal advice.