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HR 1890 117th Congress House Health Consumer affairs Disability and health-based discrimination Health care costs and insurance Insurance industry and regulation State and local government operations

Health Insurance Consumer Protection Act

Introduced: March 12, 2021 Introduced by: Schakowsky, Janice D. Democratic · Illinois See on congress.gov
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 Everywhere this bill has been 3 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Mar 16, 2021
Referred to the Subcommittee on Health.
Mar 12, 2021
Referred to the House Committee on Energy and Commerce.
Mar 12, 2021
Introduced in House
 Plain-English summary Congressional Research Service

Health Insurance Consumer Protection Act

This bill requires health insurance exchanges to establish network adequacy standards for health insurance plans to meet. It also expands the review process for potentially unreasonable health insurance rates, including premiums.

The review process, which currently covers only premium increases, is expanded to include the annual review of potentially excessive, unjustified, or unfairly discriminatory rates for health care coverage. If a rate is determined to be unreasonable, the Department of Health and Human Services (HHS), or the relevant state agency, must take corrective action before, or as soon as possible after, the rate takes effect. Corrective actions may include denying or modifying a rate or requiring the insurer to issue a rebate to consumers.

HHS may apply civil monetary penalties to health insurers that fail to comply with a corrective action. Additionally, HHS may decertify the plan as a qualified health plan (i.e., a plan that is certified for sale on a health insurance exchange, is eligible for premium subsidies, and meets the requirements for minimum essential coverage).

What's happening now March 16, 2021

Referred to the Subcommittee on Health.

 Committees of jurisdiction 2