According to the Americans with Disabilities Act (ADA),

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The Americans with Disabilities Act (ADA)specifies that employees with disabilities must have "equal access to whatever health insurance coverage the employer provides other employees." However, the act also notes that the terms and conditions of health insurance can be based on risk factors as long as this is not a subterfuge for denying the benefit to those with disabilities. Employers with risk-based programs in place would be in a stronger position, however, than employers who make changes after hiring employees with disabilities.