,i  #aac? ,,congress  #a/ ,session  ,h4 
,r4 #iaa  ,,9 ,,! ,,h\se ,,(            
,,repres5tatives  ,febru>y #bh1 #bjac   
,mr4 ,gos> introduc$ ! foll[+ bill2 :i* 
0 ref]r$ to ! ,committee on ! ,judici>y 
,a ,,bill  ,to re/ore ! application ( ! 
,f$]al antitru/ laws to ! bus9ess (     
heal? insurance to protect competition &
 consum]s4  #a4 ,%ort title ,?is ,act   
may be cit$ z ! ,competitive ,heal?     
,insurance ,re=m ,act ( #bjac4  #b4     
,f9d+s ,! ,congress f9ds ! foll[+3  7#a7
 ,op51 free1 & fair competition has made
 ! ,unit$ ,/ates ! /ronge/ economy 9 !  
_w4  7#b7 ,z a g5]al proposition1       
,gov]nm5t %\ld ensure t no indu/ry      
obta9s an unfair competitive advantage &
 t ! play+ field is equal4 ,! ,congress 
%\ld n play favorites ) c]ta9 indu/ries 
or special int]e/ gr\ps by exempt+ "o   
gr\p f ! g5]al application ( ! law4     
7#c7 ,!re is no factual basis support+  
any fur!r exemption ( ! heal? insurance 
indu/ry f ,f$]al antitru/ & unfair      
competition laws4  7#d7 ,en=cem5t ( ^!  

laws is mo/ appropriately done ?r\gh !  
,u4,s4 ,dep>tm5t ( ,ju/ice1 & 9 ! case (
 aggriev$ individuals ?r\gh private     
actions z set =? 9 ! exi/+ /atutes4  #c4
 ,purpose ,x is ! purpose ( ?is ,act to 
ensure t heal? insurance issu]s are     
subject to ! same antitru/ & unfair     
trade practices laws t all bus9esses h  
_h to comply ) & to m effectively ensure
 t ^! issu]s w\ld be subject to ,f$]al  
laws aga9/ price fix+1 bid rigg+1 or    
m>ket allocations to ! detrim5t (       
competition & consum]s4 ,?is ,act       
rem$ies a special exemption provid$ by  
,congress 9 #aide to respond to ! ,unit$
 ,/ates ,supreme ,c\rt decision entitl$ 
,unit$ ,/ates v4 ,s\?-,ea/]n ,und]writ]s
 ,association1 :]e9 ! ,c\rt correctly   
held t ! ,f$]al ,gov]nm5t c\ld regulate 
insurance companies "u ! au?ority ( !   
comm]ce clause 9 ! ,con/itution4 ,?is   
,act w\ld also reta9 en=cem5t ( ^! laws 
) ,/ate & ,f$]al law en=cem5t ag5cies & 
all[ private causes ( action by aggriev$
 consum]s h>m$ by unfair trade          

practices4  #d4 ,re/or+ ! application ( 
antitru/ laws to heal? sector insur]s   
7a7 ,am5dm5t to ,mc,carran-,f]guson ,act
 ,section #c ( ! ,act ( ,m>* #i1 #aide  
7#ae ,u4,s4,c4 #ajac71 commonly kn[n z !
 ,mc,carran-,f]guson ,act1 is am5d$ by  
add+ at ! end ! foll[+3  7c7 7#a7 ,no?+ 
conta9$ 9 ?is ,act %all modify1 impair1 
or sup]s$e ! op]ation ( any ( ! antitru/
 laws ) respect to ! bus9ess ( heal?    
insurance 7includ+ ! bus9ess ( d5tal    
insurance74 ,= purposes ( ! prec$+      
s5t5ce1 ! t]m antitru/ laws has ! mean+ 
giv5 x 9 subsection 7a7 ( ! fir/ section
 ( ! ,clayton ,act1 except t su* t]m    
includes section #e ( ! ,f$]al ,trade   
,commission ,act to ! ext5t t su*       
section #e applies to unfair me?ods (   
competition4  7#b7 ,= purposes (        
p>agraph 7#a71 ! t]m bus9ess ( heal?    
insurance 7includ+ ! bus9ess ( d5tal    
insurance7 does n include--  7,a7 !     
bus9ess ( life insurance 7includ+       
annuities72 or  7,b7 ! bus9ess ( prop]ty
 or casualty insurance1 includ+ b n     

limit$ to1 any insurance or b5efits     
def9$ z #8except$ b5efits' "u p>agraph  
7#a71 subp>agraphs 7,b7 or 7,c7 (       
p>agraph 7#b71 or p>agraph 7#c7 (       
section #ihcb7;c7 ( ! ,int]nal ,rev5ue  
,code ( #aihf 7#bf ,u4,s4,c4 #ihcb7;c77 
:e!r (f]$ sep>ately or 9 comb9ation )   
insurance or b5efits describ$ 9 p>agraph
 7#b77;,a7 ( su* section4  4  7b7       
,relat$ ,provision ,= purposes ( section
 #e ( ! ,f$]al ,trade ,commission ,act  
7#ae ,u4,s4,c4 #de7 to ! ext5t su*      
section applies to unfair me?ods (      
competition1 section #c7;c7 ( !         
,mc,carran-,f]guson ,act %all apply )   
respect to ! bus9ess ( heal? insurance  
)\t reg>d to :e!r su* bus9ess is c>ri$  
on = pr(it1 not)/&+ ! def9ition (       
,corporation conta9$ 9 section #d ( !   
,f$]al ,trade ,commission ,act4