3.0.0 3504 2023-01-11T13:23:50Z 2023-01-11T13:23:50Z House H HR 2013-11-15 113 From the Congressional Record Online through the Government Publishing Office [www.gpo.gov]By Ms. SCHAKOWSKY:H.R. 3504.Congress has the power to enact this legislation pursuantto the following:Title I, Section 8[Page H7152]]]> hsif00 Energy and Commerce Committee House Standing hsif14 Health Subcommittee Referred to 2013-11-22T16:35:25Z Referred to 2013-11-15T14:00:11Z Health Insurance Rate Review Act 113 1019 HR 2013-03-08 Referred to the Subcommittee on Health. Related bill CRS Health Insurance Rate Review Act 113 482 S 2013-03-06 Read twice and referred to the Committee on Health, Education, Labor, and Pensions. Related bill CRS 2013-11-22 hsif14 Health Subcommittee 1 House committee actions Referred to the Subcommittee on Health. Committee 2013-11-15 Referred to the House Committee on Energy and Commerce. IntroReferral H11100 2 House floor actions hsif00 Energy and Commerce Committee 2013-11-15 Introduced in House IntroReferral Intro-H 9 Library of Congress 2013-11-15 Introduced in House IntroReferral 1000 9 Library of Congress S001145 Rep. Schakowsky, Janice D. [D-IL-9] JANICE SCHAKOWSKY D IL D. 9 N Health Comprehensive health care Consumer affairs Disability and health-based discrimination Government studies and investigations Health care costs and insurance Health care coverage and access Insurance industry and regulation State and local government operations Health 00 2013-11-15 Introduced in House 2014-02-06T18:54:46Z Consumer Protection and Rate Review Act of 2013 - Requires each state insurance commissioner to investigate and take appropriate actions on cases of inadequate notices of cancellations or conversions of health insurance coverage in the individual market that take effect on or after January 1, 2014. Requires that such a notice be treated as inadequate if it fails to: (1) contain information on obtaining health insurance coverage through an American Health Benefit Exchange under the Patient Protection and Affordable Care Act (PPACA), on the possible availability of assistance under PPACA towards payment of the premiums and cost-sharing for such coverage, and on the improved benefits for coverage through an Exchange, compared to coverage not offered through an Exchange; (2) be transparent by inappropriately steering individuals to more expensive plans provided by the cancelling issuer; or (3) otherwise comply with requirements of law.

Amends the Public Health Service Act to declare that federal requirements that the Secretary of Health and Human Services (HHS) review unreasonable premium increases in health care coverage shall not be construed to prohibit a state from imposing additional rate requirements on health insurance issuers that are more protective of consumers. Expands such review to include all rate increases, not only premium increases.

Directs the Secretary or the relevant state insurance commissioner (or state regulator) to take corrective actions to ensure that any excessive, unjustified, or unfairly discriminatory rates are corrected before, or as soon as possible after, implementation, including through mechanisms such as denying rates, modifying rates, or requiring rebates to consumers. Authorizes civil monetary penalties and ineligibility as a qualified health plan for failing to comply with any corrective action taken by the Secretary.

Requires the Secretary to determine whether the state insurance commissioner or regulator or the Secretary will undertake such corrective actions based on whether the state can adequately undertake such actions.

Applies this Act to health plans grandfathered under PPACA.

]]> Consumer Protection and Rate Review Act of 2013 Display Title Consumer Protection and Rate Review Act of 2013 Official Title as Introduced To provide improved consumer protection and rate review for health insurance coverage in the individual market, and for other purposes. Introduced in House IH Short Titles as Introduced Consumer Protection and Rate Review Act of 2013 Introduced in House 2013-11-15T05:00:00Z https://www.govinfo.gov/content/pkg/BILLS-113hr3504ih/xml/BILLS-113hr3504ih.xml 2013-11-22 Referred to the Subcommittee on Health. text/xml EN Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain. Congressional Research Service, Library of Congress This file contains bill summaries and statuses for federal legislation. A bill summary describes the most significant provisions of a piece of legislation and details the effects the legislative text may have on current law and federal programs. Bill summaries are authored by the Congressional Research Service (CRS) of the Library of Congress. As stated in Public Law 91-510 (2 USC 166 (d)(6)), one of the duties of CRS is "to prepare summaries and digests of bills and resolutions of a public general nature introduced in the Senate or House of Representatives". For more information, refer to the User Guide that accompanies this file.