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IN HB1631
Bill
Status
5/6/2019
Primary Sponsor
Martin Carbaugh
Click for details
AI Summary
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Extends short term health insurance plan duration from 6 months to 364 days, with renewals permitted for up to 36 months or the maximum period allowed under federal law without requiring new underwriting during the elected renewal periods
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Requires short term insurance plans to maintain a minimum annual coverage limit of $2,000,000 and include coverage for ambulatory patient services, hospitalization, emergency services, and laboratory services
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Mandates insurers disclose in bold 10-point type that short term plans do not include the 10 essential health benefits required under PPACA, do not meet PPACA coverage requirements, and provide information about the next open enrollment period for PPACA-compliant coverage
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Requires preferred provider networks used with short term plans to include essential community providers per PPACA standards and maintain sufficient provider numbers and types to ensure access without unreasonable delay
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Prohibits insurers from charging higher premiums based on health status-related factors for enrollment or continued enrollment in short term insurance plans
Legislative Description
Short term insurance plans. Specifies certain coverage and disclosures that must be provided with respect to a short term insurance plan, including renewal, without underwriting, for the greater of 36 months or the maximum period permitted under federal law, a term of not more than 364 days, and an annual limit of at least $2,000,000. Specifies requirements for preferred provider organizations used with short term insurance plans. Makes conforming amendments.
Last Action
Public Law 288
5/6/2019