Answer:
Health Insurance Portability and Accountability Act (HIPAA)
Explanation:
In 1996, the Health Insurance Portability and Accountability Act was passed. This law was aimed at protecting workers' benefits on their health insurance even if they change jobs or lose their jobs. It also protects workers with preexisting health conditions, and lastly as relates to our question, it ensures that the privacy of personal information concerning health is secure.
Pessimism would be the term. A pessimist often focuses on the most dangerous or bad outcomes in life, letting it cloud their happiness and judgement occasionally(being a mindset/lifestyle and all).
