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HR 416 112th Congress House

Health Insurance Rate Review Act

Official title: To amend the Public Health Service Act to provide protections for consumers against excessive, unjustified, or unfairly discriminatory increases in premium rates.

Introduced: January 25, 2011 Introduced by: Schakowsky, Janice D. Democratic · Illinois See on congress.gov
Health Consumer affairsDisability and health-based discriminationHealth care costs and insuranceState and local government operations
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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 3 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Feb 9, 2011
Referred to the Subcommittee on Health.
Jan 25, 2011
Referred to the House Committee on Energy and Commerce.
Jan 25, 2011
Introduced in House
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 Latest action February 9, 2011

Referred to the Subcommittee on Health.

 Plain-English summary Congressional Research Service

Health Insurance Rate Review Act - Amends the Public Health Service Act to declare that federal provisions requiring the Secretary of Health and Human Services (HHS) to review unreasonable premium increases in health care coverage shall not be construed to prohibit a state from imposing additional rate requirements on health insurance issuers that are more protective of consumers. Expands such review to include all rate increases, not only premium increases.

Directs the Secretary or the relevant state insurance commissioner (or state regulator) to take corrective actions to ensure that any excessive, unjustified, or unfairly discriminatory rates are corrected prior to, or as soon as possible after, implementation, including through mechanisms such as denying rates, modifying rates, or requiring rebates to consumers.

Requires the Secretary to determine whether the state insurance commissioner or regulator or the Secretary will undertake such corrective actions based on whether the state can adequately undertake such actions.

Applies these provisions to grandfathered health plans under the Patient Protection and Affordable Care Act.

 Related & companion bills 1
  • S 137 Identical bill Health Insurance Rate Review Act
 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 2
 Cosponsors 19
All 19 Democratic 11
GUTIERREZ, LUIS
· Feb 8, 2011
LOWEY, NITA
· Feb 8, 2011
 D
Welch, Peter
Vermont · Feb 8, 2011
 D
Courtney, Joe
Connecticut · Jan 26, 2011
 D
Green, Al
Texas · Jan 26, 2011
WEINER, ANTHONY
· Jan 26, 2011
 D
DeLauro, Rosa L.
Connecticut · Jan 25, 2011
 D
Doggett, Lloyd
Texas · Jan 25, 2011
FRANK, BARNEY
· Jan 25, 2011
 D
Garamendi, John
California · Jan 25, 2011
GREEN, GENE
· Jan 25, 2011
HARMAN, JANE
· Jan 25, 2011
 D
Hirono, Mazie K.
Hawaii · Jan 25, 2011
LEVIN, SANDER
· Jan 25, 2011
 D
Markey, Edward J.
Massachusetts · Jan 25, 2011
 D
Moore, Gwen
Wisconsin · Jan 25, 2011
 D
Pallone, Frank
New Jersey · Jan 25, 2011
Sutton, Betty
· Jan 25, 2011
 D
Tonko, Paul
New York · Jan 25, 2011
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 416: Health Insurance Rate Review Act. 112th Congress. Open America. https://openamerica.io/bill/112-HR-416/
MLA
"H.R. 416: Health Insurance Rate Review Act." 112th Congress, 2026, Open America, https://openamerica.io/bill/112-HR-416/.
Bluebook (legal)
H.R. 416, 112th Cong. (2026), https://openamerica.io/bill/112-HR-416/.
Markdown link
[H.R. 416: Health Insurance Rate Review Act](https://openamerica.io/bill/112-HR-416/)
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