---
kind: "unit"
title: "45"
title_heading: "Public Welfare"
key: "subtA/subchB/part147"
level: "part"
label: "Part 147"
heading: "Health Insurance Reform Requirements for the Group and Individual Health Insurance Markets"
release: "ecfr-current"
date: "2026-08-27"
url: "https://uscodex.org/cfr/45/subtA-subchB-part147"
sections_count: 25
---

# Part 147 — Health Insurance Reform Requirements for the Group and Individual Health Insurance Markets

Title 45 C.F.R. — Public Welfare › Subtitle A — Department of Health and Human Services › Subchapter B — Requirements Relating to Health Care Access

## Sections

- [§147.100. Basis and scope.](/cfr/45/147.100.md)
- [§147.102. Fair health insurance premiums.](/cfr/45/147.102.md)
- [§147.103. State reporting.](/cfr/45/147.103.md)
- [§147.104. Guaranteed availability of coverage.](/cfr/45/147.104.md)
- [§147.106. Guaranteed renewability of coverage.](/cfr/45/147.106.md)
- [§147.108. Prohibition of preexisting condition exclusions.](/cfr/45/147.108.md)
- [§147.110. Prohibiting discrimination against participants, beneficiaries, and individuals based on a health factor.](/cfr/45/147.110.md)
- [§147.116. Prohibition on waiting periods that exceed 90 days.](/cfr/45/147.116.md)
- [§147.120. Eligibility of children until at least age 26.](/cfr/45/147.120.md)
- [§147.126. No lifetime or annual limits.](/cfr/45/147.126.md)
- [§147.128. Rules regarding rescissions.](/cfr/45/147.128.md)
- [§147.130. Coverage of preventive health services.](/cfr/45/147.130.md)
- [§147.131. Accommodations in connection with coverage of certain preventive health services.](/cfr/45/147.131.md)
- [§147.132. Religious exemptions in connection with coverage of certain preventive health services.](/cfr/45/147.132.md)
- [§147.133. Moral exemptions in connection with coverage of certain preventive health services.](/cfr/45/147.133.md)
- [§147.136. Internal claims and appeals and external review processes.](/cfr/45/147.136.md)
- [§147.138. Patient protections.](/cfr/45/147.138.md)
- [§147.140. Preservation of right to maintain existing coverage.](/cfr/45/147.140.md)
- [§147.145. Student health insurance coverage.](/cfr/45/147.145.md)
- [§147.150. Coverage of essential health benefits.](/cfr/45/147.150.md)
- [§147.160. Parity in mental health and substance use disorder benefits.](/cfr/45/147.160.md)
- [§147.200. Summary of benefits and coverage and uniform glossary.](/cfr/45/147.200.md)
- [§147.210. Transparency in coverage—definitions.](/cfr/45/147.210.md)
- [§147.211. Transparency in coverage—required disclosures to participants, beneficiaries, or enrollees.](/cfr/45/147.211.md)
- [§147.212. Transparency in coverage—requirements for public disclosure.](/cfr/45/147.212.md)