Skip to main content
HR 3681 111th Congress House

Fairness in Health Insurance Act of 2009

Official title: To provide for minimum loss ratios for health insurance coverage.

Introduced: September 30, 2009 See on congress.gov
Health Administrative law and regulatory proceduresBusiness recordsDepartment of Health and Human ServicesHealth care costs and insurance
More subjectsShow fewer subjects
Health care qualityHealth information and medical recordsInsurance industry and regulation
Sign in to write a letter Sign in to watch
This bill died when the 111th Congress ended
It never became law before the 111th Congress (2009–2010) adjourned, and bills don't carry over to the next Congress. It would have to be reintroduced. You can still save it for reference, but it won't receive updates.
 Everywhere this bill has been 3 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Oct 1, 2009
Referred to the Subcommittee on Health.
Sep 30, 2009
Referred to the House Committee on Energy and Commerce.
Sep 30, 2009
Introduced in House
 Ask about this bill AI · grounded in the bill text

Have a question about what this bill does? Ask in plain English; the answer is drawn from the bill's actual text and official record, and it'll tell you when something isn't in the text rather than guess.

AI answers can be imperfect; always confirm against the full bill text.

 Latest action October 1, 2009

Referred to the Subcommittee on Health.

 Plain-English summary Congressional Research Service

Fairness in Health Insurance Act of 2009 - Prohibits a health insurance issuer from offering health insurance coverage unless the issuer demonstrates that such coverage has a medical loss ratio of at least 90%.

Directs the Secretary: (1) to establish a uniform definition of "medical loss ratio" and methodology for calculating it, which shall take into account the circumstances of different plans and activities related to health services, such as chronic disease management and quality assurance; and (2) by December 31, 2010, to develop, publish, and implement the standardized data elements and definitions to be used by health insurance issuers in the reporting of data necessary to calculate such ratio.

Requires each issuer: (1) beginning in plan year 2011, to provide the Secretary with data to enable the Secretary to determine whether the issuer is in compliance with this Act; and (2) to provide payment rebates to enrollees for any plan year in which the coverage has a medical loss ratio below 90%.

 Related & companion bills 1
  • S 1730 Related bill Fairness in Health Insurance Act
 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 2
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 3681: Fairness in Health Insurance Act of 2009. 111th Congress. Open America. https://openamerica.io/bill/111-HR-3681/
MLA
"H.R. 3681: Fairness in Health Insurance Act of 2009." 111th Congress, 2026, Open America, https://openamerica.io/bill/111-HR-3681/.
Bluebook (legal)
H.R. 3681, 111th Cong. (2026), https://openamerica.io/bill/111-HR-3681/.
Markdown link
[H.R. 3681: Fairness in Health Insurance Act of 2009](https://openamerica.io/bill/111-HR-3681/)
Report a problem