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GA HB1153
Bill
Status
Introduced
3/10/2020
Primary Sponsor
Kim Schofield
Click for details
AI Summary
- Individual short-term health insurance policies are limited to a maximum of 181 days of coverage and cannot be renewed or extended within 365 days after coverage ends
- Short-term plans must include all ACA essential health benefits (except pediatric vision and dental), cover preventive services at no additional cost, and cap annual cost-sharing amounts at ACA levels
- Medical underwriting, preexisting condition exclusions, and waiting periods are prohibited; all short-term policies must be guaranteed issue
- Policies must display a prominent consumer notice in at least 14-point bold type stating the plan does not qualify as ACA minimum essential coverage, and must disclose the issuer's medical loss ratio from the prior calendar year
- Short-term policies may only be sold through face-to-face transactions where disclosures are read aloud to the purchaser, and no short-term plans may be marketed or sold during the ACA open enrollment period
Legislative Description
Individual Short-Term Health Insurance Consumer Protection Act; enact
Last Action
House Second Readers
3/13/2020
Full Bill Text
No bill text available