Bill > SB474

This bill establishes the Kansas Short-Term, Limited Duration Insurance Act, which defines "short-term insurance plan" as a health insurance policy with a term of up to 364 days that can be renewed for up to 36 months or the maximum period allowed by federal law, and must have an annual limit of at least $2,000,000, while also requiring coverage for essential services like ambulatory care, hospitalization, emergency services, and laboratory services. The act mandates that insurers offering these plans must disclose to applicants in bold type that the plans are not required to cover all essential health benefits mandated by the federal Patient Protection and Affordable Care Act (PPACA), may not offer full PPACA coverage, and that full coverage can be obtained during the PPACA annual open enrollment period, requiring applicant signatures to acknowledge these disclosures. Furthermore, insurers are prohibited from charging higher premiums based on an individual's health status and are allowed to offer discounts for health promotion programs, with the Commissioner of Insurance authorized to create rules and regulations to implement and oversee the act, and it also amends an existing law to align definitions and repeals the old section.

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https://kslegislature.gov/li/b2025_26/measures/sb474/