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Amends the Health Insurance Market Expansion Act; provides for establishing a regional health insurance market with other New England states to expand opportunities for regional insurers to offer insurance in the state; includes health insurance corporations, health maintenance organizations, nonprofit hospital service corporations and nonprofit medical service corporations; provides for a study of laws to enable insurers licensed in other states to do business in the state without separate licensure.
This structure resembles the federal Health Reform law enacted in March It may be an early example of applying state and federal regulation to a new type of insurance policy. Authorizes the sale of health insurance by out-of-state insurers; provides for more limited regulation of policies; provides for oversight by the insurance commissioner; provides for cooperation by the insurance commissioner with other states with consistent insurance laws; specifies legislative intent to pursue a multi-state consortium to enter into reciprocal agreements to reduce health insurance costs through removal of duplicative regulation.
Arizona considered a proposal HB which would allow out-of-state health insurers to transact business in AZ if they are subject to the jurisdiction of another state's insurance department. Relates to purchase of health or sickness insurance; would provide that insurers that issues policies, contracts, plans, coverages or evidences of coverage and that are domiciled outside of this State may transact health or sickness insurance in this State if the insurer provides evidence to the Director that while providing health or sickness insurance the insurer is subject to the jurisdiction of another State's Insurance Department.
Allows a carrier domiciled in another state to offer, sell, or renew a health care service plan or a health insurance policy in this state without holding a license issued by the Department of Managed Health Care or a certificate of authority issued by the Insurance Commissioner. Exempts the carrier's plan or policy from requirements otherwise applicable to plans and insurers providing health care coverage in this state if the plan or policy complies with the domiciliary state's requirements. Allows a carrier domiciled in another state to offer, sell or renew a health care service plan contract or a health insurance policy in the State without holding a licensure issued by the Department of Managed Health Care or a certificate of authority issued by the Insurance Commissioner; exempts the carrier's plan contract from requirements otherwise applicable to plans and insurers providing health care coverage.
Authorizes the commissioner of insurance commissioner , on behalf of the state, to enter into multistate agreements with other states for the purpose of allowing a health coverage issuer issuer doing business in another state to offer, sell, or issue in Colorado an individual health coverage plan plan that is regulated by another state. Requires the commissioner, in making the determination to enter into a multistate agreement. The agreement would delineate each state's responsibilities with regard to enforcement of applicable laws, etc. Authorizes the Commissioner of Insurance, on behalf of the state, to enter into multistate agreements with other states for the purpose of allowing a health coverage issuer doing business in another state to offer, sell, or issue in this State, an individual health coverage plan that is regulated by another state; requires the issuer is required to submit to the Commissioner evidence of its financial viability.
Relates to authorization and general requirements for transaction of insurance, so as to provide for legislative intent; authorizes the purchase of health insurance policies from out-of-state insurers; provides for notices; authorizes the Commissioner of Insurance to conduct certain market conduct and solvency examinations; authorizes the Commissioner of Insurance to adopt certain rules and regulations; provides for appeals of claims. Relates to individual health insurance coverage; provides for legislative intent; provides definitions; authorizes the Commissioner of Insurance to authorize insurers to offer individual medical and surgical health insurance policies in Georgia that have been approved for issuance in selected other States.
Relates to individual health insurance coverage; authorizes insurers to offer individual accident and sickness insurance policies in Georgia that have been approved for issuance in other States; provides for legislative findings; provides for minimum standards for such policies; provides for certain notices; provides for examinations of such insurers; authorizes the Commissioner of Insurance to adopt rules and regulations. Relates to individual out-of-state health insurance; allows an accident and sickness insurer that is licensed in certain other states, and is not licensed in Indiana, to issue or deliver an individual policy of accident and sickness insurance to an individual resident of Indiana without complying with other Indiana insurance law.
Relates to individual out of state health insurance; allows an accident and sickness insurer that is licensed in certain other states, and is not licensed in Indiana, to issue or deliver an individual policy of accident and sickness insurance to an individual resident of Indiana without complying with other Indiana Insurance Law. Would require the state Department of Insurance to authorize out-of-state insurers to offer health benefit plans in Kentucky; authorizing the state to conduct market and solvency examinations of such out-of-state companies; and authorizing the exemption of Kentucky state-mandated health benefits from out-of-state health benefit plans.
Permits out-of-state health insurers, which are referred to as regional insurers in the bill, to offer their individual or group health plans for sale in this State if certain requirements of Maine law are met, including minimum capital and surplus and reserve, disclosure and reporting and grievance procedures.
Permits out-of-state health insurers, which are referred to as regional insurers in the bill, to offer their individual and group health plans for sale in this State if certain requirements of State law are met; includes minimum capital and surplus and reserve requirements, disclosure and reporting requirements and grievance procedures; defines regional insurers as those insurers authorized to transact individual or group health insurance in certain states.
Relates to insurance; enacts the Minnesota Freedom to Buy and Sell Act; provides Minnesota employers and residents with the freedom to buy health coverage approved for sale in any state; provides insurance companies the freedom to sell in this state any health coverage permitted for sale in any other state. Permits residents to buy health coverage approved in other states; creates a Physician's Council on Health Care Policy to analyze health coverage mandates; provides a tax credit for persons without access to employer-based coverage.
Permits Minnesota residents to buy health coverage approved in other states; creates a Physicians Council on Health Care Policy to analyze health coverage mandates; provides a tax credit for persons without access to employer-based coverage. Would allow for providing and selling cross-border insurance by out-of-state insurers, including a streamlined process for out-of-state health insurers to issue policies in Montana, including affecting coverage mandates or essential health benefits, would require payment of premium taxes, and provide rulemaking authority to the insurance commissioner.
Would authorize individuals to purchase health insurance from out-of-state health insurance carriers selected by the insurance commissioner; would grant rulemaking authority to the insurance commissioner for the purposes of the bill. Authorizes individuals and certain businesses to purchase health insurance from out-of-state insurance companies. Would authorize individuals to purchase health insurance from out-of state health insurance carriers selected by the state insurance commissioner; including rule making authority to the insurance commissioner for the purposes of the bill.
Would authorize individuals and certain businesses to purchase health insurance from out-of-state insurance companies. Filed and referred to Senate Committee on Commerce ; did not pass by end of session. Authorizes insurers licensed to sell health insurance policies in other states to offer health insurance policies in this state. Relates to insurance; authorizes certain out-of-state health insurers to transact insurance in this state.
Relates to insurance; authorizes certain out-of-state insurers to issue certain policies in this state. Would create the Health Care Choice Act, authorizing the Insurance Commissioner to negotiate insurance compacts with other states; providing that out-of-state insurers would not be required to offer or provide state-mandated health benefits required by Oklahoma law or regulations in health insurance policies sold to Oklahoma residents. Would require "appropriate protection of Oklahoma consumers by allowing the Commissioner to regulate the market conduct and financial solvency of the non-admitted insurers.
Amends The Insurance Department Act of , provides for the right to purchase health insurance sold in other States. Provides that the Insurance Commissioner shall undertake a review of laws and regulations existing on the effective date of this section pertaining to the business of health insurance in to determine how to allow residents the ability to purchase health insurance products sold in other states by carriers not otherwise subject to subject insurance laws and regulations. Would provide that the Department of Insurance shall authorize out-of-state insurers to offer health insurance policies in the state; authorizing market and solvency examinations of out-of-state insurers seeking to offer plans in the state; exempting policies from South Carolina coverage mandates while requiring inclusion of mandates specified by the insurer's home states.
Non-binding resolution, would urge Congress not to pursue legislation authorizing individuals to purchase health insurance across state lines. Authorizes a foreign health insurer to provide a health benefits plan in the Commonwealth if such insurer meets certain requirements. Would establish the "Health Care Choice Act," providing for out-of-state health insurers to be authorized to sell products in West Virginia, while not being required to offer or provide state-mandated health benefits required by West Virginia law. Allows out-of-state insurers to offer health care plans exempt from certain laws; provides that such insurers must be in compliance, have a certificate of authority and offer coverage under any plan offered in the domiciliary state; relates to taxation, assessments to fund the Health Insurance Risk Sharing plan, disclosure of personal medical information, unfair marketing practices, required testing for HIV, portability, contract renewal, plain language, discrimination and group health plans.
NCSL is not responsible for opinions for or against this or other state legislation or laws.
Their experience over and will serve as a litmus test. Beginning in January, , the ACA established two pools: Large states like California have a natural advantage in creating sizable risk pools better able to spread out the cost of medical care. Accordingly, California has opted to leverage the market power of its population to actively negotiate with health plans over terms of coverage and rates for plans sold on its health exchange marketplace, Covered California. The Affordable Care Act has built in mechanisms that would enable smaller states to create larger, more robust risk pools:.
Section c 3 allows states to combine their individual and small employer markets into a single risk pool;. The statute requires HHS issue regulations governing health care choice compacts by July 1, ;. In addition to authorizing interstate plans, the ACA also appears to contemplate such plans being marketed in multiple state exchange marketplaces.
Lawmakers would be laughed out of office, rightly, if they insisted that the only CDs, cellphones, or ceramics their constituents could buy were those manufactured in the state where they lived. All sorts of financial products are routinely acquired without state borders proving an impenetrable barrier: Why should a medical plan be any different? There is no good reason to deny freedom of choice to Americans when it comes to buying health insurance. Yet licensing rules in virtually every state effectively prevent individual residents from shopping for health plans in any other state. Consequently, there is no national market for health insurance.
There are only autonomous state markets, many dominated by near-monopolies that can get away with offering lower quality insurance at ever-higher premiums. Senator John McCain of Arizona proposed the following as a presidential campaign platform: Congressman John Shadegg of Arizona. This bill did not become law. States do not have legislation to exempt entire health insurance companies from state regulation.
On paper they would be examples, but in fact this would be really nothing particularly new in law or regulation. Mandate rollbacks have all been a small percentage change - going from 32 state mandates to 25 not 0. It is enacted by the General Assembly as follows: Establishment of a regional health insurance market.
The report shall address the extent to which licensure is a barrier to bringing other health insurers into the Rhode Island market. The report shall further address the manner in which licensure can be automatically granted to those insurers licensed in other New England states while still requiring that such insurers otherwise remain bound by the non-licensure related laws and regulations governing the administration of health insurance benefit plans in Rhode Island. The director shall also delineate a timetable for regulatory change and cooperative agreements with the insurance commissioner in Massachusetts to effectuate a seamless health insurance market incorporating both states.
The report shall include an analysis of barriers to the creation of a regional health insurance market and a proposed timeline for implementing all changes that would be needed to establish a regional health insurance market. The original version of the memo was compiled in December ; material has been added periodically as legislative actions have evolved. We are the nation's most respected bipartisan organization providing states support, ideas, connections and a strong voice on Capitol Hill. Copyright by National Conference of State Legislatures. This website uses cookies to analyze traffic and for other purposes.
You consent to the use of cookies if you use this website. Continue Our online privacy policy. H 47 by Ramsey M R Relates to individual health insurance coverage, so as to authorize insurers to offer individual accident and sickness insurance policies in the state that have been approved for issuance in other states; provides for legislative findings; provides for a definition; provides for minimum standards for such policies; allows insurers authorized to transact insurance in other states to issue individual accident and sickness policies in the state.
Kentucky Signed Law. Rand D Authorizes the state to seek "to explore the feasibility of an Interstate Reciprocal Health Benefit Plan Compact IRHBPC with contiguous states" to allow Kentucky and residents of contiguous states to purchase health benefit plan coverage among the states participating with the compact. H by Richardson R Gradually modifies the community rating provisions for individual and small group health plans; expanding in 3 increments the rating bands from the current ratio of 1. Sheehan D Amends the Health Insurance Market Expansion Act; provides for establishing a regional health insurance market with other New England states to expand opportunities for regional insurers to offer insurance in the state; includes health insurance corporations, health maintenance organizations, nonprofit hospital service corporations and nonprofit medical service corporations; provides for a study of laws to enable insurers licensed in other states to do business in the state without separate licensure.
Wyoming Signed Law. Simpson R Authorizes the sale of health insurance by out-of-state insurers; provides for more limited regulation of policies; provides for oversight by the insurance commissioner; provides for cooperation by the insurance commissioner with other states with consistent insurance laws; specifies legislative intent to pursue a multi-state consortium to enter into reciprocal agreements to reduce health insurance costs through removal of duplicative regulation.
Crump R Arizona considered a proposal HB which would allow out-of-state health insurers to transact business in AZ if they are subject to the jurisdiction of another state's insurance department. Barto R Allows foreign insurers to issue policies relating to health or sickness coverage in Arizona. Villines R Allows a carrier domiciled in another state to offer, sell, or renew a health care service plan or a health insurance policy in this state without holding a license issued by the Department of Managed Health Care or a certificate of authority issued by the Insurance Commissioner.
Huff R Allows a carrier domiciled in another state to offer, sell or renew a health care service plan contract or a health insurance policy in the State without holding a licensure issued by the Department of Managed Health Care or a certificate of authority issued by the Insurance Commissioner; exempts the carrier's plan contract from requirements otherwise applicable to plans and insurers providing health care coverage.
But this may change for the better under Obamacare, which provides new coverage options for the self-employed. Before you start evaluating your options for health coverage, you need understand whether you are in fact considered self-employed under Obamacare. The law says you are self-employed if you are an independent contractor or a sole proprietor without employees. If you hire other independent contractors to do some work for you, you probably still qualify as self-employed. Self-employed people can use the new health care marketplace to purchase individual health insurance plans.
Here are six things self-employed people should know about the Obamacare health insurance reforms:. How Obamacare Affects Unemployed New Hampshire Residents The difficulties of unemployment are often compounded by the lack or loss of health insurance. But millions of Americans who are currently without both a job and health coverage may find relief under Obamacare.
That's because low-cost coverage options may be available to you through HealthCare.
All plans available through the marketplace offer essential medical benefits , including preventive care, emergency services, and prescription drug coverage. You can't be turned away if you have a pre-existing medical condition and, as an unemployed person, you probably qualify for significant cost-saving subsidies.
When you sign up for a marketplace health plan, your coverage can start within a few weeks. Usually, you must sign up during an open enrollment period. But leaving your job and losing job-based health insurance makes you eligible for a special enrollment period. That means you'll have 60 days to sign up for a new health plan. Do we apply based on our separate incomes, or must we include all the income we make as a couple? States other than California, Nevada, or Washington.
Each partner includes only his or her separate income, and this amount determines health plan costs and eligibility for cost-saving subsidies. It works this way because domestic partners are not considered married for federal tax purposes. If you registered first and got legally married later, this article doesn't apply to you. You must apply as a married person and report your combined income. To find out what, if anything, you need to do, find the situation below that applies to you. To learn about Medicare Advantage plans -- which include traditional Medicare benefits, prescription drug coverage, and more -- see Medicare Advantage By Zip Code.
Many people who tried to sign up for new health insurance plans online in the early days were unable to complete their applications. Because of these difficulties, some individuals and application assistants turned to the old-fashioned way of getting health insurance -- paper applications. When facing a slow or broken online health insurance exchange, using a paper application may seem tempting -- at least it would provide the feeling of getting something done. However, paper forms may not speed up the process at all. On the contrary, they could slow down your application even more.
Plus, using a paper application opens up more opportunity for error by putting more people between you and your goal of getting insurance. Follow these steps to apply on paper. Are you planning to get married, change jobs, or move to a new state? If so, you might have to share your big news with HealthCare.
If you buy a health insurance plan through the New Hampshire marketplace, the Affordable Care Act requires you to report changes that may affect your insurance coverage. Our goal is to guide you to reliable, local information about your new health insurance options. For those concerned about cost, we show you how to determine whether you qualify for subsidies. We also explain the rules about expanded Medicaid eligibility. Until , the law also requires most U. Beginning in , however, the penalty goes away in all states except those that have enacted their own penalties.
A guide to individual health insurance in New Hampshire, including its marketplace, About 50, New Hampshire residents enrolled in coverage through the state exchange. Compare plans and rates in New Hampshire . embraced the Affordable Care Act. New Hampshire expanded Medicaid as of July New Hampshire is switching from PAP to Medicaid managed care in , New Hampshire's exchange had four carriers offering coverage for , down from five In good news for New Hampshire residents, the average proposed rates .. New Hampshire businesses that were enrolled in CHO's small group plans can.
Currently, the list of states with penalties includes D. All health plans purchased through the HealthCare. Companies that offer plans through a state exchange will compete on price and quality of service in delivering these benefits. Under Obamacare, most people who don't have health insurance will be required to pay a tax penalty. But you may not have to pay if you qualify for one or more of the following exemptions:. You may be eligible for an exemption under other circumstances, as well -- for example, if you can show that obtaining coverage would subject you to serious financial hardship.
If you used the marketplace to purchase a plan last year. Most people who purchased their insurance plan from an online marketplace will be able to automatically renew their coverage for While allowing yourself to be automatically re-enrolled is better than going without insurance, it's best to take advantage of open enrollment and research your options. Shop around and evaluate new plans and costs. Even if you decide to stay with the plan you have, you can use open enrollment to confirm your personal information and ensure you're getting the right amount of financial aid. If you purchased an individual or family insurance plan outside the online marketplace.
Or, you may use HealthCare. If you keep your current plan, you won't be eligible for the cost-saving subsidies available for plans purchased through the exchange.
Be sure to check with your current insurance provider before canceling a health insurance policy; you may have to wait until the end of your current policy year to make a change. If you have insurance through an employer. As long as you're happy with your plan, you can keep it. You're considered covered under Obamacare. On the other hand, if you're not satisfied with the coverage you have, you may be able to switch to an individual plan through HealthCare. The health insurance marketplace sometimes called an "exchange" is where to go to get health insurance under the Affordable Care Act.
The marketplace for New Hampshire is HealthCare. You can use the marketplace to compare plans, learn whether you qualify for cost-saving subsidies, and sign up for the plan that works best for you. Private insurance agents or brokers can also help you understand your health care coverage options under Obamacare. Unlike government-trained navigators and counselors, they are allowed to suggest the best plan for you. There, you enter your city and state or zip code to get a list of navigators, insurance agents, and brokers near you.
Talk to a licensed broker. We receive advertising income from the licensed brokers who offer their services through this telephone number. Choose carefully, because after you make your choices, you must usually live with them until the next open enrollment period. If you qualify for special enrollment, you can sign up during a time period outside of the open enrollment period.
A list of dates you need to keep track of in signing up for ObamaCare. Traveling from state to state isn't complicated under Obamacare, but there are a few points to keep in mind. Your move is considered a qualifying life event , meaning that you can sign up for new coverage as soon as you move. You should purchase a plan from the marketplace in the state you consider your primary residence -- where you vote, pay taxes, and so on. Some multistate plans may be restricted to a certain region — for example, a metropolitan area that straddles state boundaries. Others will be more appropriate for someone who migrates longer distances, spending, say, summers in Alaska and winters in Arizona.
Traveling shouldn't present any problem under a marketplace insurance plan. Simply sign up for a plan in the state of your primary residence. The plan will cover you in case of emergencies that happen out of state. Here's a checklist of information to gather before you apply for health coverage at HealthCare. Finally, keep a list of any questions you want answered before you sign up for a health insurance plan. In plain English, it guides consumers to reliable, local information about their new health insurance options. For consumers concerned about cost, the site shows how to determine whether they qualify for subsidies.
It also explains the new rules about expanded Medicaid eligibility. LegalConsumer, which until now has concentrated on consumer bankruptcy, began in , when Congress overhauled federal bankruptcy laws. When I read about politicians making it hard to get information about Obamacare, it got my blood boiling -- and I realized I could help folks find that information the same way I do with bankruptcy.
Some states, says Renauer, are hiding the ball when it comes to the new options for healthcare coverage under Obamacare.
Missouri, for example, has not created an insurance marketplace exchange , forbids state officials from cooperating with the federal government, and provides no information. The site will guide them to all the official local resources they need to make sure they get the maximum benefits under the law. Another reason for expanding a bankruptcy website to cover health care reform? Albin Renauer is an independent web and database developer and Webby Award judge. After receiving his J.