Abstract
There is no doubt that ambiguity and shadiness in the mechanism of health insurance sector have been distressing the millions of consumers till Health Insurance Portability and Accountability Act (HIPAA) came into being in 1996. But with HIPAA, a new set of problems have surfaced that too can harass the consumers in more than one way. Alongside, its complex nature still creates doubts in the consumers mind about its efficacy, though the Act itself has undergone many changes to meet the demand of the modern time, or Health and Human Services (HHS) is taking punitive measures against the offending companies. Amid this situation, this study explores and discusses the nuances of the Act and various observations from many learned quarters, before coming into conclusion that the Act needs to empower the consumers to bolster them, besides presenting a simplified version of the act.