MO HB1975

Requires all medical malpractice insurers in Missouri to establish premium rates for health care providers based on average judgments awarded in the provider's county, effective January 1, 2015.

Uses a tiered approach: first relies on average judgments from the prior calendar year; if fewer than four cases exist, uses the prior five-year period; if still fewer than four cases, uses average judgments from a similar county.

Applies to physicians, dentists, nurses, hospitals, nursing homes, pharmacists, and other specified health care providers, but excludes faith-based healing facilities.

Adjusts premium rates proportionally for providers practicing in multiple counties based on the percentage of practice conducted in each county.

Defines "medical malpractice insurance" as coverage for legal liability arising from negligence or malpractice in rendering professional health care services.