The business of private health insurance in Ireland is regulated by a number of acts which the Authority adheres to.

How we regulate

The Health Insurance Acts, 1994 - 2015 legislate for the four principles of private health insurance in Ireland. They are lifetime community rating, open enrolment, lifetime cover, minimum benefit.

Regulatory agreements

The Authority has agreed a memo of understanding with the Central Bank.

Register of health benefits undertakings

In order to practice health insurance business in Ireland one must be registered with the Health Insurance Authority.

Regulation legislation

All principle pieces of legislation governing private health insurance in Ireland and can be found at

Risk equalisation

Risk equalisation involves transfer payments between health insurers to spread some of the claims cost of the high-risk older and less healthy members amongst all the private health insurers in the market in proportion to their market share.