WI AB184

Requires all individual and group health benefit plans to accept every applicant regardless of preexisting conditions, with enrollment restricted to open or special enrollment periods

Limits premium rate variations for individual/small employer market plans to only four factors: individual vs. family coverage, geographic rating area, age (max 3:1 ratio for adults), and tobacco use (max 1.5:1 ratio)

Prohibits health benefit plans and self-insured governmental plans from imposing preexisting condition exclusions or annual/lifetime dollar limits on benefits

Mandates a statewide open enrollment period of no longer than 45 days and requires special enrollment periods for qualifying life events under federal law

Provisions take effect only if the federal Affordable Care Act's corresponding requirements become unenforceable or no longer preempt state law; plans currently exempt from ACA provisions remain exempt from corresponding state requirements