Health Insurance Across State Lines: More Choices, New Rules.
This act allows health insurance companies to offer policies in multiple states, primarily governed by the laws of one chosen state. The goal is to increase availability and potentially lower costs for citizens by providing more options. It's crucial to carefully review policy details, as coverage and consumer protections might differ from local state standards.
Key points
Ability to purchase health insurance from companies licensed in other states, potentially leading to more choices and lower prices.
Policies will be primarily regulated by the laws of the insurer's chosen "primary state," not necessarily your home state.
Insurers must clearly disclose if a policy does not cover all benefits or consumer protections mandated by your resident state.
Prohibition on increasing premiums or reclassifying individuals based on health status at policy renewal.
Local state laws regarding fraud, unfair claims practices, and independent appeals procedures remain enforceable.
Introduced
Citizen Poll