Bill > HR32

This bill aims to amend the Public Health Service Act to provide for cooperative governing of individual health insurance coverage. The key provisions are: 1. It defines the primary and secondary states for individual health insurance coverage, with the primary state's laws governing the coverage offered by a health insurance issuer in both the primary and secondary states. 2. It exempts health insurance issuers from certain laws of the secondary state, such as requiring the issuer to be licensed or registered in the secondary state, as long as the issuer complies with the primary state's laws. 3. It requires clear disclosure to consumers that the policy may be subject to different laws and consumer protections than in the consumer's state. 4. It prohibits health insurance issuers from reclassifying individuals or increasing premiums based on health status changes, with some exceptions. 5. It requires health insurance issuers to provide an independent external review process for coverage determinations in both the primary and secondary states. 6. It gives the primary state sole jurisdiction to enforce its laws with respect to the individual health insurance coverage, with some exceptions for the secondary state. The goal is to facilitate the sale of individual health insurance coverage across state lines while maintaining certain consumer protections.

Business and Industry, Health and Social Services

https://www.congress.gov/bill/117th-congress/house-bill/32/all-info