ND SB2222

Creates new chapter 26.1-36.8 establishing minimum health insurance coverage standards including ambulatory services, emergency care, hospitalization, maternity care, mental health services, drugs, rehabilitation services, laboratory services, preventive care, and pediatric services.

Prohibits health insurance issuers from imposing pre-existing condition exclusions or denying coverage based on pre-existing conditions.

Caps cost-sharing at $8,550 for individual coverage and $17,100 for family coverage, with commissioner authority to adjust amounts by rule.

Limits premium rate variation to individual vs. family coverage, rating area, age (3:1 ratio maximum for adults), and tobacco use (1.5:1 ratio maximum).

Amends section 50-24.1-37 to continue Medicaid expansion coverage for individuals under 65 with income below 138 percent of federal poverty line and repeals sections 40 and 41 of 2017 Session Laws that had called for program repeal.

Bill becomes effective only upon insurance commissioner certification that a court has ruled the federal Patient Protection and Affordable Care Act unconstitutional with final judgment.