,,ii #aac? ,,congress #a/ ,session ,s4 #dhb ,,9 ,,! ,,s5ate ,,( ,,! ,,unit$ ,,/ates ,m>* #f1 #bjac ,mrs4 ,fe9/e9 7= h]self1 ,mrs4 ,box]1 ,mr4 ,laut5b]g1 ,mr4 ,s&]s1 & ,mr4 ,te/]7 introduc$ ! foll[+ bill2 :i* 0 read twice & ref]r$ to ! ,committee on ,heal?1 ,education1 ,labor1 & ,p5sions ,a ,,bill ,to am5d ! ,public ,heal? ,s]vice ,act to provide protections = consum]s aga9/ excessive1 unju/ifi$1 or unfairly discrim9atory increases 9 premium rates4 #a4 ,%ort title ,?is ,act may be cit$ z ! ,heal? ,insurance ,rate ,review ,act4 #b4 ,protection ( consum]s f excessive1 unju/ifi$1 or unfairly discrim9atory rates 7a7 ,protection f excessive1 unju/ifi$1 or unfairly discrim9atory rates ,! fir/ section #bgid ( ! ,public ,heal? ,s]vice ,act 7#db ,u4,s4,c4 #cjj;gg-#id71 z add$ by section #ajjc ( ! ,pati5t ,protection & ,af=dable ,c>e ,act 7,public ,law #aaa-adh71 is am5d$ by add+ at ! end ! foll[+ new subsection3 7e7 ,protection f excessive1 unju/ifi$1 or unfairly discrim9atory rates 7#a7 ,au?ority ( ,/ates ,no?+ 9 ?is section %all be con/ru$ to prohibit a ,/ate f impos+ requirem5ts 7includ+ requirem5ts relat+ to rate review /&>ds & proc$ures & in=mation report+7 on heal? insurance issu]s ) respect to rates t are 9 addition to ! requirem5ts ( ?is section & are m protective ( consum]s ?an su* requirem5ts4 7#b7 ,consultation 9 rate review process ,9 c>ry+ out ?is section1 ! ,secret>y %all consult ) ! ,national ,association ( ,insurance ,commission]s & consum] gr\ps4 7#c7 ,det]m9ation ( :o conducts reviews = ea* ,/ate ,! ,secret>y %all det]m9e1 aft] ! date ( enactm5t ( ?is section & p]iodically !reaft]1 ! foll[+3 7,a7 ,9 :i* m>kets 9 ea* ,/ate ! ,/ate insurance commission] or relevant ,/ate regulator %all und]take ! corrective actions "u p>agraph 7#d71 z a condition ( ! ,/ate receiv+ ! grant 9 subsection 7c71 bas$ on ! ,secret>y's det]m9ation t ! ,/ate regulator is adequately und]tak+ & utiliz+ su* actions 9 t m>ket4 7,b7 ,9 :i* m>kets 9 ea* ,/ate ! ,secret>y %all und]take ! corrective actions "u p>agraph 7#d71 9 coop]ation ) ! relevant ,/ate insurance commission] or ,/ate regulator1 bas$ on ! ,secret>y's det]m9ation t ! ,/ate is n adequately und]tak+ & utiliz+ su* actions 9 t m>ket4 7#d7 ,corrective action = excessive1 unju/ifi$1 or unfairly discrim9atory rates ,9 accordance ) ! process e/abli%$ "u ?is section1 ! ,secret>y or ! relevant ,/ate insurance commission] or ,/ate regulator %all take corrective actions to ensure t any excessive1 unju/ifi$1 or unfairly discrim9atory rates are correct$ prior to implem5tation1 or z soon z possible !reaft]1 ?r\gh me*anisms su* z-- 7,a7 d5y+ rates2 7,b7 modify+ rates2 or 7,c7 requir+ rebates to consum]s4 7#e7 ,noncompliance ,failure to comply ) any corrective action tak5 by ! ,secret>y "u ?is subsection may result 9 ! application ( civil monet>y p5alties &1 if ! ,secret>y det]m9es appropriate1 make ! plan involv$ ineligible = classification z a ,qualifi$ ,heal? ,plan4 4 7b7 ,cl>ification ( ,regulatory ,au?ority ,su* section is fur!r am5d$-- 7#a7 9 subsection 7a7-- 7,a7 9 ! head+1 by /rik+ premium & ins]t+ rate2 7,b7 9 p>agraph 7#a71 by /rik+ unreasonable increases 9 premiums & ins]t+ pot5tially excessive1 unju/ifi$1 or unfairly discrim9atory rates1 includ+ premiums12 & 7,c7 9 p>agraph 7#b7-- 7i7 by /rik+ an unreasonable premium increase & ins]t+ a pot5tially excessive1 unju/ifi$1 or unfairly discrim9atory rate2 7ii7 by /rik+ ! increase & ins]t+ ! rate2 & 7iii7 by /rik+ su* increases & ins]t+ su* rates2 7#b7 9 subsection 7b7-- 7,a7 by /rik+ premium increases ea* place x appe>s & ins]t+ rates2 & 7,b7 9 p>agraph 7#b77;,b71 by /rik+ premium & ins]t+ rate2 & 7#c7 9 subsection 7c77#a7-- 7,a7 9 ! head+1 by /rik+ ,premium & ins]t+ ,rate2 7,b7 by ins]t+ t satisfy ! condition "u subsection 7e77#c77;,a7 aft] aw>d grants to ,/ates2 & 7,c7 9 subp>agraph 7,a71 by /rik+ premium increases & ins]t+ rates4 7c7 ,con=m+ am5dm5t ,title ,,xxvii ( ! ,public ,heal? ,s]vice ,act 7#db ,u4,s4,c4 #cjj;gg et seq47 is am5d$-- 7#a7 9 section #bgbc 7#db ,u4,s4,c4 #cjj;gg-#bb71 z r$esignat$ by ! ,pati5t ,protection & ,af=dable ,c>e ,act-- 7,a7 9 subsection 7a7-- 7i7 9 p>agraph 7#a71 by ins]t+ & section #bgid aft] ?is "p2 & 7ii7 9 p>agraph 7#b71 by ins]t+ or section #bgid aft] ?is "p2 & 7,b7 9 subsection 7b7-- 7i7 9 p>agraph 7#a71 by ins]t+ & section #bgid aft] ?is "p2 & 7ii7 9 p>agraph 7#b7-- 7,i7 9 subp>agraph 7,a71 by ins]t+ or section #bgid t is aft] ?is "p2 & 7,,ii7 9 subp>agraph 7,c77ii71 by ins]t+ or section #bgid aft] ?is "p2 & 7#b7 9 section #bgfa 7#db ,u4,s4,c4 #cjj;gg-#fa7-- 7,a7 9 subsection 7a7-- 7i7 9 p>agraph 7#a71 by ins]t+ & section #bgid aft] ?is "p2 & 7ii7 9 p>agraph 7#b7-- 7,i7 by ins]t+ or section #bgid aft] set =? 9 ?is "p2 & 7,,ii7 by ins]t+ & section #bgid aft] ! requirem5ts ( ?is "p2 & 7,b7 9 subsection 7b7-- 7i7 by ins]t+ & section #bgid aft] ?is "p2 & 7ii7 by ins]t+ & section #bgid aft] "p ,a4 7d7 ,applicability to gr&fa!r$ plans ,section #abea7;a77#d77;,a7 ( ! ,pati5t ,protection & ,af=dable ,c>e ,act 7,public ,law #aaa-adh71 z add$ by section #bcja ( ! ,heal? ,c>e & ,education ,reconciliation ,act ( #bjaj 7,public ,law #aaa-aeb71 is am5d$ by add+ at ! end ! foll[+3 7v7 ,section #bgid 7relat+ to reasonabl5ess ( rates ) respect to heal? insurance cov]age74 4 7e7 ,au?orization ( appropriations ,!re are au?oriz$ to be appropriat$ to c>ry out ?is ,act1 su* sums z may be necess>y4 7f7 ,effective date ,! am5dm5ts made by ?is section %all take effect on ! date ( enactm5t ( ?is ,act & %all be implem5t$ ) respect to heal? plans beg9n+ n lat] ?an ,janu>y #a1 #bjad4