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Health Insurance Protection: Ending Exclusions and Discrimination

This legal act aims to ensure that health insurers cannot deny coverage or raise premiums due to pre-existing conditions or genetic information. This means greater certainty of access to healthcare for all citizens, regardless of their health status. It also introduces rules for wellness programs to ensure they are fair and accessible.
Key points
Prohibition of denying health insurance coverage due to pre-existing conditions.
Insurers cannot discriminate or raise premiums based on health status, medical history, or genetic information.
Insurers must accept all applicants for coverage, with some exceptions related to service capacity.
Restrictions on the use of genetic information by insurers, including a ban on requesting it for underwriting purposes.
Regulation of wellness programs to ensure fairness and non-discrimination based on health status.
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Status:
Expired
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Additional Information
Protect Act
Print number: S 322
Sponsor: Sen. Tillis, Thomas [R-NC]
Process start date: 2021-02-12
System Note: Lustra is free, publicly auditable civic infrastructure, with full source code available on GitHub. You are reading sterilized legislative data, processed by our radical neutrality engine to strip political spin and retain factual mechanics. We process only official government data. Original documents remain the authoritative source, always verify them if you can.
Summarized by: gemini-2.5-flash-preview-05-20
Source data: api.congress.gov
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Summary & Status

Key Questions about Health Insurance Protection: Ending Exclusions and Discrimination

A structured overview of the legislative process, official sources, status and civic context.

What is the official ID of this bill?

The official print number for this legislation is S 322.

Which chamber initiated this legislation?

This legislation was initiated in the Senate.

When did the legislative process begin?

The process officially started on 2021-02-12.

What are the main provisions?

Key points include:

  • Prohibition of denying health insurance coverage due to pre-existing conditions.
  • Insurers cannot discriminate or raise premiums based on health status, medical history, or genetic information.
  • Insurers must accept all applicants for coverage, with some exceptions related to service capacity.
  • Restrictions on the use of genetic information by insurers, including a ban on requesting it for underwriting purposes.
  • Regulation of wellness programs to ensure fairness and non-discrimination based on health status.

What is the specific legal status?

The current status is Expired.

Where can I read the full text of this legislation?

The full official text is available at: View full text

Who is the primary sponsor?

The primary sponsor is Sen. Tillis, Thomas [R-NC].

What is the latest detailed status?

The latest detailed status is: Introduced in Senate

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2025-12-29.

Analysis and Potential Impact of S 322

We don't know, that is up to you to decide. Summarizing raw data with AI is fundamentally different from predicting socio-economic outcomes. As of 2026, we believe impact assessment strictly requires a human in the loop to verify and judge. Review our public AI processing logs for full transparency, and use Lustra to track active legislation for instant status push notifications.

CATEGORIES

Health