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US HR2868

US HR2868
Small Business Health Fairness Act of 2015


summary

Introduced
06/24/2015
In Committee
11/16/2015
Crossed Over
Passed
Dead
01/03/2017

Introduced Session

114th Congress

Bill Summary

Small Business Health Fairness Act of 2015 Amends the Employee Retirement Income Security Act of 1974 (ERISA) to provide for establishment and governance of association health plans (AHPs), which are group health plans whose sponsors are trade, industry, professional, chamber of commerce, or similar business associations, and which meet certain ERISA certification requirements. Prescribes rules governing AHPs, including requirements relating to certification, sponsors and boards of trustees, participation and coverage, nondiscrimination, contribution rates, notice of voluntary termination, correction actions, and mandatory termination. Establishes the Association Health Plan Fund to be used to make payments to an insurer to maintain coverage for a plan if there is a reasonable expectation that, without such payments, claims would not be satisfied by reason of termination of coverage. Requires the Secretary of Labor to establish a Solvency Standards Working Group. Allows a state to impose a contribution tax on an association health plan that commenced operations in such state after the enactment of this Act. Preempts any state law that may preclude a health insurance issuer from: (1) offering health insurance coverage in connection with a certified AHP; or (2) offering health insurance coverage of the same policy type to other employers operating in the state that are eligible for coverage under such AHPs, whether or not such other employers are participating employers in such plan. Subjects to criminal penalties a person who willfully makes false representations with respect to an AHP.

AI Summary

This bill, the Small Business Health Fairness Act of 2015, aims to improve health insurance access and choice for small businesses by establishing rules for Association Health Plans (AHPs). AHPs are group health plans sponsored by business or professional associations, such as trade groups or chambers of commerce, that meet specific certification requirements under the Employee Retirement Income Security Act of 1974 (ERISA). The bill outlines requirements for AHP certification, governance by sponsors and boards of trustees, participation and coverage rules, non-discrimination, contribution rates, and procedures for plan termination. It also establishes an Association Health Plan Fund to help ensure coverage continuity if a plan faces financial difficulties and requires the Secretary of Labor to form a Solvency Standards Working Group to advise on financial stability. Furthermore, the bill allows states to impose a contribution tax on AHPs that begin operating after the law's enactment and preempts certain state laws that might prevent health insurance issuers from offering coverage through certified AHPs or to similar employers. Finally, it introduces criminal penalties for those who intentionally make false statements regarding AHPs.

Committee Categories

Education, Health and Social Services

Sponsors (5)

Last Action

Referred to the Subcommittee on Health, Employment, Labor, and Pensions. (on 11/16/2015)

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