,i  #aaf? ,,congress  #a/ ,session  ,h4 
,r4 #aadc  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,febru>y #aa1         
#bjai,ms4 ,e%oo introduc$ ! foll[+ bill2
 :i* 0 ref]r$ to ! ,committee on ,en]gy 
& ,comm]ce  ,a ,,bill  ,to am5d title   
,,xxvii ( ! ,public ,heal? ,s]vice ,act 
to require a heal? insurance issu] (f]+ 
%ort-t]m limit$ duration insurance to   
include a /&>diz$ disclosure & c]ta9    
in=mation ) respect to cov]age          
exclusions & premium v>iations 9 m>ket+1
 application1 & enrollm5t mat]ials      
di/ribut$ 9 connection ) su* insurance &
 prohibit+ ! sale ( su* insurance dur+  
c]ta9 p]iods4  #a4 ,%ort title ,?is ,act
 may be cit$ z ! ,educat+ ,consum]s on !
 ,risks ( ,%ort-,t]m ,plans ,act (      
#bjai4  #b4 ,requir+ a heal? insurance  
issu] (f]+ %ort-t]m limit$ duration     
insurance to include a /&>diz$          
disclosure & c]ta9 in=mation ) respect  
to cov]age exclusions & premium         
v>iations 9 m>ket+1 application1 &      
enrollm5t mat]ials di/ribut$ 9          

connection ) su* insurance & prohibit+ !
 sale ( su* insurance dur+ c]ta9 p]iods 
7a7 ,9 g5]al ,subp>t ,,ii ( "p ,a (     
title ,,xxvii ( ! ,public ,heal? ,s]vice
 ,act 7#db ,u4,s4,c4 #cjj;gg-#aa et     
seq47 is am5d$ by add+ at ! end ! foll[+
 new section3  #bgcj4 ,in=mation requir$
 to be includ$ 9 m>ket+1 application1 & 
enrollm5t mat]ials di/ribut$ 9          
connection ) %ort-t]m limit$ duration   
insurance2 limitation on enrollm5t p]iod
  7a7 ,provision ( in=mation  7#a7 ,9   
g5]al ,a heal? insurance issu] (f]+     
%ort-t]m limit$ duration insurance %all 
include 9 any m>ket+1 application1 or   
enrollm5t mat]ials di/ribut$ by su*     
issu] 9 connection ) su* insurance1 9 a 
prom95t location set ap>t f o!r         
in=mation--  7,a7 ! /&>diz$ disclosure  
e/abli%$ by ! ,secret>y "u p>agraph     
7#b72 &  7,b7 a li/ ( all m$ical        
conditions1 includ+ bo? physical & m5tal
 heal? conditions--  7i7 :i* may result 
9 an individual be+ d5i$ ! ability to   
enroll "u su* insurance2  7ii7 = :i* su*

 issu] may apply a preexi/+ condition   
exclusion 7z def9$ 9 section            
#bgjd7;b77#a77 ) respect to an enrollee 
"u su* insurance2  7iii7 :i* may result 
9 an increase 9 premium am\nts = su* an 
enrollee comp>$ to :at su* am\nts w\ld h
 o!rwise be5 = su* enrollee abs5t su*   
condition2 or  7iv7 = :i* su* issu] may 
t]m9ate cov]age "u su* insurance )      
respect to su* an enrollee4  7#b7       
,e/abli%m5t ( disclosure ,= purposes (  
p>agraph 7#a77;,a71 ! ,secret>y %all    
e/abli% a /&>diz$ disclosure ) respect  
to %ort-t]m limit$ duration insurance   
(f]$ by a heal? insurance issu] t       
includes ! foll[+ in=mation3  7,a7 ,a   
notification t su* insurance may n cov] 
preexi/+ conditions ( an enrollee1      
includ+ pa/ physical or m5tal heal?     
conditions1 reg>dless ( :e!r su*        
enrollee 0 aw>e ( su* conditions or _h  
s\ght treatm5t = su* conditions on or   
be=e ! date ( enrollm5t 9 su* insurance4
  7,b7 ,a notification t su* issu] may  
resc9d cov]age "u su* insurance if an   

enrollee seeks treatm5t = su* a preexi/+
 condition1 reg>dless ( :e!r su*        
enrollee 0 aw>e ( su* condition or _h   
s\ght treatm5t = su* condition on or    
be=e ! date ( enrollm5t 9 su* insurance4
  7,c7 ,a notification t su* insurance  
provides limit$ b5efits comp>$ to       
individual heal? insurance cov]age &    
does n include all b5efits requir$ to be
 cov]$ "u ! ,pati5t ,protection &       
,af=dable ,c>e ,act 7includ+ ! ess5tial 
heal? b5efits package 7z def9$ 9 section
 #acjb7;a7 ( su* ,act77 or "u ?is title4
  7,d7 ,a notification t cov]age "u su* 
insurance is tempor>y & may n cov] !    
co/s ( an enrollee = mo/ hospital or o!r
 m$ical items & s]vices1 includ+ bo?    
physical & m5tal heal? items & s]vices4 
7,e7 ,a notification t an individual    
%\ld c>efully review ! b5efits provid$  
"u su* insurance be=e enroll+ 9 su*     
insurance4  7,f7 ,a notification in=m+  
individuals ( ! opportunity to pur*ase  
compreh5sive individual heal? insurance 
cov]age ?r\gh ,ex*anges e/abli%$ "u !   

,pati5t ,protection & ,af=dable ,c>e    
,act t provides cov]age = preexi/+      
conditions )\t premium increases = su*  
conditions & = :i* su* individuals may  
be eligible = f9ancial assi/ance4 ,su*  
notification %all include in=mation on  
h[ su* individuals may access su*       
,ex*anges4  7b7 ,limitation on enrollm5t
 p]iod ,a heal? insurance issu] (f]+    
%ort-t]m limit$ duration insurance may n
 enroll any individual 9 su* insurance  
dur+ any annual op5 enrollm5t p]iod     
applicable to su* individual ) respect  
to an ,ex*ange4  4  7b7 ,con=m+ am5dm5ts
  7#a7 ,en=cem5t ,section #bgbc ( !     
,public ,heal? ,s]vice ,act 7#db        
,u4,s4,c4 #cjj;gg-#bb7 is am5d$-- 7,a7 9
 subsection 7a7--  7i7 9 p>agraph 7#a71 
by ins]t+ 1 or %ort-t]m limit$ duration 
insurance 9 ! ,/ate1 aft] gr\p m>ket2 & 
7ii7 9 p>agraph 7#b71 by ins]t+ 7or1 9 !
 case ( su* a failure ) respect to      
section #bgcj1 9 connection ) %ort-t]m  
limit$ duration insurance7 aft]         
individual heal? insurance cov]age2 &   

7,b7 9 subsection 7b77#a77;,b71 by      
ins]t+ 1 %ort-t]m limit$ duration       
insurance1 aft] individual heal?        
insurance cov]age4  7#b7 ,preemption    
,section #bgbd7;a77#a7 ( su* ,act 7#db  
,u4,s4,c4 #cjj;gg-#bc7;a77#a77 is am5d$ 
by ins]t+ or %ort-t]m limit$ duration   
insurance aft] gr\p heal? insurance     
cov]age4  7c7 ,effective date ,!        
am5dm5ts made by ?is section %all apply 
) respect to m>ket+1 application1 &     
enrollm5t mat]ials di/ribut$ 9          
connection ) %ort-t]m limit$ duration   
insurance on or aft] ,septemb] #a1      
#bjai4