Bill > S1516

This bill amends the Public Health Service Act to allow Americans to purchase individual health insurance coverage across state lines. The key provisions are: - Insurers can designate a "primary state" whose laws will govern the insurance coverage they offer in any "secondary state," as long as they comply with certain conditions. - Insurers are generally exempt from the secondary state's insurance laws, though they must comply with some specific requirements like paying taxes and registering the state insurance commissioner as their agent. - Insurers must provide clear and conspicuous disclosure to consumers that the coverage may be subject to different laws and regulations than those in the consumer's home state. - The bill prohibits certain practices like reclassifying an individual's risk or increasing premiums based on health status changes. - It requires the coverage to be currently offered in the primary state before being sold in a secondary state. - It establishes independent external review procedures for coverage sold under this interstate model. - The Government Accountability Office must study the effects of this bill on issues like insurance availability, costs, and potential fraud.

Health and Social Services

https://www.congress.gov/bill/115th-congress/senate-bill/1516/all-info