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S 482 113th Congress Senate

Health Insurance Rate Review Act

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

Introduced: March 14, 2013 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 113th Congress ended
It never became law before the 113th Congress (2013–2014) 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
Mar 6, 2013
Read twice and referred to the Committee on Health, Education, Labor, and Pensions.
Mar 6, 2013
Sponsor introductory remarks on measure. (CR S1234-1235)
Mar 6, 2013
Introduced in Senate
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 Latest action March 6, 2013

Read twice and referred to the Committee on Health, Education, Labor, and Pensions.

 Plain-English summary Congressional Research Service

Health Insurance Rate Review Act - Amends the Public Health Service Act to declare that federal requirements that the Secretary of Health and Human Services (HHS) 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 before, or as soon as possible after, implementation, including through mechanisms such as denying rates, modifying rates, or requiring rebates to consumers. Authorizes civil monetary penalties and ineligibility as a qualified health plan for failing to comply with any corrective action taken by the Secretary.

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 this Act to health plans grandfathered under the Patient Protection and Affordable Care Act.

 Related & companion bills 2
  • HR 3504 Related bill Consumer Protection and Rate Review Act of 2013
  • HR 1019 Identical bill Health Insurance Rate Review Act
 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
 Cosponsors 4
All 4 Democratic 3 Independent 1
D
Warren, Elizabeth
Massachusetts · May 22, 2014
 D
Whitehouse, Sheldon
Rhode Island · Apr 8, 2013
 D
Gillibrand, Kirsten E.
New York · Mar 14, 2013
 I
Sanders, Bernard
Vermont · Mar 6, 2013
Cite this page click to expand
APA
U.S. Congress. (2026). S. 482: Health Insurance Rate Review Act. 113th Congress. Open America. https://openamerica.io/bill/113-S-482/
MLA
"S. 482: Health Insurance Rate Review Act." 113th Congress, 2026, Open America, https://openamerica.io/bill/113-S-482/.
Bluebook (legal)
S. 482, 113th Cong. (2026), https://openamerica.io/bill/113-S-482/.
Markdown link
[S. 482: Health Insurance Rate Review Act](https://openamerica.io/bill/113-S-482/)
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