Bill > S1213

This bill, the Consumer Health Insurance Protection Act of 2019, aims to provide health insurance reform in several key ways: It limits insurer profits and prevents unreasonable premium increases by increasing the medical loss ratio requirement from 80% to 85%, and allowing states and the federal government to review and potentially prohibit unreasonable premium increases. It makes health insurance coverage more affordable by enhancing premium assistance tax credits, increasing cost-sharing reductions, and capping prescription drug cost-sharing. It also requires standardized plan options at the bronze, silver, and gold coverage levels. The bill aims to ensure access to care by establishing network adequacy requirements, requiring Medicare Advantage organizations to also offer qualified health plans in certain areas, and enhancing the Navigator program to provide more outreach and assistance. Finally, the bill strengthens consumer protections by prohibiting discriminatory premiums based on tobacco use, improving health insurance consumer information, establishing patient protections like limits on balance billing, and clarifying regulations around association health plans.

Budget and Finance

https://www.congress.gov/bill/116th-congress/senate-bill/1213/all-info