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HR 2645 112th Congress House Health Health care costs and insurance Medicare

Medigap Medical Loss Ratio Improvement Act

Introduced: October 26, 2011 See on congress.gov
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This bill died when the 112th Congress ended
It never became law before the 112th Congress (2011–2012) 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 4 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Aug 1, 2011
Referred to the Subcommittee on Health.
Jul 26, 2011
Introduced in House
Jul 26, 2011
Referred to the Committee on Ways and Means, and in addition to the Committee on Energy and Commerce, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
Jul 26, 2011
Sponsor introductory remarks on measure. (CR E1411-1412)
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 Plain-English summary Congressional Research Service

Medigap Medical Loss Ratio Improvement Act - Amends title XVIII (Medicare) of the Social Security Act with respect to Medicare supplemental (Medigap) policies to increase the minimum loss ratio required of such policies. (A loss ratio is the ratio of total losses paid out in insurance claims, plus adjustment expenses, divided by the total earned insurance premiums.)

Prohibits the issuance or renewal of a Medigap policy in any state unless the policy can be expected to return to policyholders in the form of aggregate benefits: (1) at least 85% (currently 75%) of the aggregate amount of premiums collected in the case of group policies, and (2) at least 80% (currently 65%) in the case of individual policies.

What's happening now August 1, 2011

Referred to the Subcommittee on Health.

 Related & companion bills 1
  • S 1416 Related bill Medigap Medical Loss Ratio Improvement Act of 2011
 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 4
 Cosponsors 2
All 2 Democratic 1
HINCHEY, MAURICE
· Oct 26, 2011
 D
Pallone, Frank
New Jersey · Jul 26, 2011
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 2645: Medigap Medical Loss Ratio Improvement Act. 112th Congress. Open America. https://openamerica.io/bill/112-HR-2645/
MLA
"H.R. 2645: Medigap Medical Loss Ratio Improvement Act." 112th Congress, 2026, Open America, https://openamerica.io/bill/112-HR-2645/.
Bluebook (legal)
H.R. 2645, 112th Cong. (2026), https://openamerica.io/bill/112-HR-2645/.
Markdown link
[H.R. 2645: Medigap Medical Loss Ratio Improvement Act](https://openamerica.io/bill/112-HR-2645/)
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