Health insurance is confusing - there are many rules that are often designed to keep consumers in the dark about their benefits, costs, and rights. A number of regulations, at the federal and state levels, are intended to help protect consumers from insurer abuses. These regulations help people know what's in their coverage, how their premium dollars are being spent, and their rights to keep coverage if their situation changes. This section helps people understand how these regulations protect consumers so you can advocate for yourself and your family.