text: The Secretaries have found that without prompt guidance , some members of the regulated community would have difficulty complying with the requirements of the HIPAA and insured individuals will not understand the benefit to them of having a certificate of prior coverage to present upon entering the individual health insurance market .
  
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  The secretaries found that without prompt guidance members of the regulated community would find it hard to comply with the requirements of HIPAA , and that insured individuals do not understand the benefit of a certificate of prior coverage .