,,ii  #aae? ,,congress  #b;d ,session   
,s4 #bdid  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,m>* #e1 #bjah ,ms4    
,baldw9 7= h]self1 ,mrs4 ,gillibr&1 ,mr4
 ,c>d91 ,mr4 ,murphy1 ,mr4 ,van ,holl51 
,ms4 ,smi?1 ,mr4 ,ka9e1 ,mr4 ,wyd51 ,ms4
 ,w>r51 ,ms4 ,h>ris1 ,mr4 ,s&]s1 ,ms4   
,hassan1 ,mrs4 ,murray1 ,mr4 ,blum5?al1 
,mrs4 ,fe9/e91 ,ms4 ,/ab5[1 & ,mr4      
,br[n7 introduc$ ! foll[+ bill2 :i* 0   
read twice & ref]r$ to ! ,committee on  
,heal?1 ,education1 ,labor1 & ,p5sions  
,a ,,bill  ,to provide /&>ds = %ort-t]m 
limit$ duration heal? insurance         
policies4  #a4 ,%ort title  ,?is ,act   
may be cit$ z ! ,fair ,c>e ,act4  #b4   
,%ort-t]m limit$ duration heal?         
insurance policies  7a7 ,prohibition on 
propos$ rule ,not)/&+ any o!r provision 
( law1 ! ,secret>y ( ,heal? & ,human    
,s]vices1 ! ,secret>y ( ! ,treasury1 & !
 ,secret>y ( ,labor may n take any      
action to implem5t1 en=ce1 or o!rwise   
give effect to ! propos$ rule relat+ to 
! def9ition ( %ort-t]m limit$-duration  

insurance 7#hc ,f$4 ,reg4 #gdcg-gddg1   
,febru>y #ba1 #bjah71 ins(> z su*       
propos$ rule relates to a revis$        
def9ition ( ! t]m %ort-t]m limit$       
duration insurance & ! ,secret>ies %all 
implem5t1 en=ce1 & o!rwise give effect  
to ! def9ition ( su* t]m z appli$ by !  
,secret>ies "u ! regulations 9 effect on
 ! date ( enactm5t ( ?is ,act 7#ha ,f$4 
,reg4 #gecaf71 & su* regulations %all   
cont9ue 9 effect ) respect to policies  
until ! effective date describ$ 9       
subsection 7b77#b74  7b7 ,/&>ds  7#a7 ,9
 g5]al ,section #bgia7;b7 ( ! ,public   
,heal? ,s]vice ,act 7#db ,u4,s4,c4      
#cjj;gg-#ia7 is am5d$ by add+ at ! end !
 foll[+3  7#f7 ,%ort-t]m limit$ duration
 insurance ,! t]m %ort-t]m limit$       
duration insurance means heal? insurance
 cov]age provid$ pursuant to a contract 
) a heal? insurance issu] t--  7,a7 has 
a specifi$1 limit$ duration n to exce$  
#ic days aft] ! orig9al effective date (
 ! contract1 except t ! heal? plan may  
p]mit cov]age to cont9ue until ! end ( !

 p]iod ( hospitalization = a condition =
 :i* ! cov]$ p]son 0 hospitaliz$ on !   
day t cov]age w\ld o!rwise h end$2  7,b7
 is non-r5ewable & issu$ only to        
individuals :o h n be5 cov]$ "u a       
%ort-t]m limit$ duration insurance      
policy f any heal? insurance issu] )9 ! 
prior #ab mon?s2  7,c7 displays         
prom95tly 9 m>ket+ mat]ials1 ! contract1
 & 9 any application mat]ials provid$ 9 
connection ) enrollm5t 9 su* insurance a
 notice to consum]s t includes su*      
in=mation :i* ! ,/ate insurance         
commission] deems suffici5t to in=m !   
individual t cov]age & b5efits are      
limit$2  7,d7 cov]s ess5tial heal?      
b5efits z set =? 9 section #acjb ( !    
,pati5t ,protection & ,af=dable ,c>e    
,act2  7,e7 meets ! foll[+ requirem5ts =
 individual heal? insurance cov]age z   
set =? 9 ?is title--  7i7 section #bgja 
7relat+ to fair heal? insurance         
premiums72  7ii7 section #bgjb 7relat+  
to gu>ante$ availability ( cov]age71    
except z provid$ 9 p>agraph 7#a7        

consi/5t ) ! limitations ( subsection   
7c72  7iii7 section #bgjd 7relat+ to !  
prohibition ( pre-exi/+ condition       
exclusions or o!r discrim9ation bas$ on 
heal? /atus72  7iv7 section #bgje       
7relat+ to ! prohibition ( discrim9ation
 aga9/ individual p>ticipants &         
b5efici>ies bas$ on heal? /atus72  7v7  
section #bgjf 7relat+ to                
nondiscrim9ation 9 heal? c>e72  7vi7    
section #bgjg 7relat+ to compreh5sive   
heal? insurance cov]age72  7vii7 section
 #bgaa 7prohibit+ lifetime & annual     
limits72  7viii7 section #bgab          
7prohibit+ rescissions72  7ix7 section  
#bgac 7cov]age ( prev5tive heal?        
s]vices72  7x7 section #bgad 7relat+ to 
cov]age ( dep5d5ts72 &  7xi7 section    
#bgai 7relat+ to appeals72 &  7,f7 ^u ! 
issuance ( a heal? insurance plan t an  
issu] ass]ts to be %ort-t]m limit$      
duration insurance1 ! issu] ( su* plan  
%all provide docum5tation to ! ,secret>y
 & ! ,/ate insurance commission]1 9 a =m
 det]m9$ by ! ,secret>y1 reg>d+ !       

individuals cov]$ by ! plan & ! duration
 ( ! plan :i* %all be review$ by !      
entity responsible = en=cem5t "u section
 #bgbb1 toge!r ) docum5tation submitt$  
by o!r issu]s1 to det]m9e :e!r ! plan   
satisfies ! requirem5t "u subp>agraph   
7,b7 &1 if n1 su* entity %all take      
appropriate en=cem5t action4  4  7#b7   
,effective date ,! am5dm5t made by      
p>agraph 7#a7 %all apply to plan ye>s   
beg9n+ on or aft] ,janu>y #a1 #bjai4