H.B. No. 390 Summary

• Amends health insurance regulations affecting premium rates, pre-existing condition exclusions, and benefit structures for individual, small group, and large group health insurance markets in Ohio.

• Establishes essential health benefits requirements including ambulatory services, emergency services, hospitalization, maternity care, mental health services, prescription drugs, rehabilitative services, laboratory services, preventive care, and pediatric services.

• Limits cost-sharing requirements by capping annual out-of-pocket expenses at $7,900 for self-only coverage and $15,800 for other than self-only coverage for plan years beginning in 2020, with annual adjustments thereafter.

• Prohibits discriminatory practices including denial of coverage based on health status, pre-existing conditions, or health status-related factors for both individual and group health plans.

• Eliminates certain health insurance regulations by repealing sections 1751.15, 3923.58-3923.59, and 3924.07-3924.14 of the Revised Code while consolidating requirements into sections 3902.50-3902.54 and amending existing sections related to insurance carriers and health benefit plans.