MO HB1013

Health care providers cannot charge uninsured individuals more than the lowest rate they accept from any health carrier or Medicare for the same services

Health carriers must offer individuals purchasing insurance on the private market the same premium rates as those offered through employer group plans

Department of Health and Senior Services will conduct random audits of patient billing files during annual licensure inspections to verify compliance

Violations result in escalating penalties: first offense receives a warning, subsequent violations within 12 months incur fines ranging from $100-$500 (or 10-50% of overcharged amount) for providers, and $500-$1,000 (or 20-50% of overcharged amount) for health carriers

All health carriers must file and publish premium rates for every plan variation on their websites and with the Department of Insurance