HB 1151 Summary

• Allows accident and sickness insurers and health maintenance organizations to offer policies without complying with all state-mandated health benefits, effective July 1, 2010.

• Applies only to individual purchasers and small employers with 50 or fewer employees that did not offer health coverage in the preceding year.

• Requires insurers to provide a list of non-compliant health benefit mandates when making such offers and mandates that all offered plans must include newborn coverage, diabetes coverage, adopted child coverage, and minimum maternity benefits.

• Requires insurers to also offer a fully compliant policy alternative to any prospective purchaser considering a non-compliant plan.

• Mandates written disclosure to all insured individuals acknowledging non-compliance and listing which health benefits are excluded from their coverage.