What does health insurance portability allow individuals to do?

Health insurance portability is a critical component of health insurance that allows individuals to maintain their health coverage when transitioning between jobs. This means that when a person changes employment, they do not lose their health insurance benefits; instead, they are able to retain their coverage or transfer it to a new plan without facing exclusions for pre-existing conditions.

This concept is particularly beneficial in a job market where people frequently change jobs or pursue new opportunities, ensuring that they have continuous access to necessary health care services. By having the option to keep their health insurance when they switch jobs, individuals can avoid gaps in coverage, which can be financially risky.

The other possibilities present in this question do not accurately reflect the concept of health insurance portability. For instance, while the ability to change providers or increase coverage may be beneficial, these do not specifically relate to the portability of health insurance, which is primarily concerned with maintaining coverage without disruption during employment transitions. Additionally, the restriction to use services only from a previous employer contradicts the principle of portability, as it is meant to enhance flexibility rather than limit options.