Health Insurance Reform Act of 1995

Summary

TABLE OF CONTENTS: Title I: Health Care Access, Portability, and Renewability Subtitle A: Group Health Plan Rules Subtitle B: Individual Health Plan Rules Subtitle C: COBRA Clarifications Subtitle D: Private Health Plan Purchasing Coalitions Title II: Application and Enforcement of Standards Title III: Miscellaneous Provisions Health Insurance Reform Act of 1995 - Title I: Health Care Access, Portability, and Renewability - Subtitle A: Group Health Plan Rules - Prohibits insurers from declining to provide coverage, and plans from establishing certain types of requirements, based on health status, medical condition, and similar factors. (Sec. 102) Mandates plan renewability, except for nonpayment of premiums, termination of the plan, or other specified reasons. (Sec. 103) Regulates the circumstances in which a plan may impose a benefit limitation or exclusion because of a preexisting condition. Allows State laws that limit preexisting conditions to shorter periods than the provisions of this paragraph. (Sec. 104) Mandates special enrollment periods for individuals who have certain types of changes in family composition or employment status. (Sec. 105) Regulates disclosures an insurer must make to a small employer (as defined in State law, or employers with not more than 50 employees if not defined in State law). Subtitle B: Individual Health Plan Rules - Prohibits an insurer from establishing, for an individual in a period of previous qualifying coverage, eligibility, continuation, or enrollment requirements based on health status, medical condition, and similar factors. (Sec. 111) Mandates renewability of coverage for individuals, except for nonpayment of premiums, misrepresentation of material fact, or termination of the plan. (Sec. 112) Requires that State law in effect on, or enacted after, enactment of this Act apply in lieu of the standards above in this subtitle unless the Secretary of Health and Human Services determines that the State law is not as effective in providing access. (Sec. 113) Mandates a study and report on ensuring the availability of health insurance to individuals, the need for Federal premium variation standards, and the effectiveness of this Act and State laws in stabilizing the small group health insurance market by providing for the broad pooling of risk. Subtitle C: COBRA Clarifications - Amends the Public Health Service Act, the Employee Retirement Income Security Act of 1974 (ERISA), and the Internal Revenue Code to modify continuation coverage requirements. Subtitle D: Private Health Plan Purchasing Coalitions - Requires a State to certify health plan purchasing coalitions (HPPCs) meeting the requirements of this paragraph. Provides for Federal certification if a State fails to do so. Regulates HPPC organization, duties, and activities. Preempts, for a HPPC meeting these requirements, State fictitious group laws, State rating requirement laws (subject to exception), and other State laws in direct conflict. Applies to HPPCs the requirements of ERISA provisions relating to fiduciary responsibility and administration and enforcement. Title II: Application and Enforcement of Standards - Deems a requirement or standard under this Act imposed on: (1) a plan to be imposed on the insurer; and (2) a self-insured plan to be imposed on the plan sponsor. (Sec. 202) Requires each State to mandate that each plan in the State meet the standards under this Act pursuant to an enforcement plan filed by the State with the Secretary of Labor. Directs the Secretary, for self-insured health plans, to enforce the standards under this Act. Subjects failing plans to civil enforcement under specified ERISA provisions. Provides for Federal enforcement if a State fails to do so. Title III: Miscellaneous Provisions - Amends the Public Health Service Act to allow a health maintenance organization, if notified by a member that a medical savings account has been established for the member and if the member requests, to reduce the basic health services payment by requiring the payment of a deductible for basic health services. Declares that it is the sense of the Senate that the Congress should take steps to further the purposes of this Act.

This text is taken from the official record. PoliticalRepo does not editorialize.

Timeline

1. 13 July 1995

   Introduced

   Read twice and referred to the Committee on Labor and Human Resources.

   Source: IntroReferral

2. 13 July 1995

   Introduced

   Sponsor introductory remarks on measure. (CR S9905)

   Source: IntroReferral

3. 13 July 1995

   Introduced

   Introduced in Senate

   Source: IntroReferral

4. 18 July 1995

   Committee

   Committee on Labor and Human Resources. Hearings held.

   Source: Committee

5. 28 July 1995

   Committee

   Committee on Labor and Human Resources. Hearings held.

   Source: Committee

6. 2 August 1995

   Reported

   Committee on Labor and Human Resources. Ordered to be reported with an amendment in the nature of a substitute favorably.

   Source: Committee

7. 12 October 1995

   Calendars

   Placed on Senate Legislative Calendar under General Orders. Calendar No. 205.

   Source: Calendars

8. 12 October 1995

   Reported

   Committee on Labor and Human Resources. Reported to Senate by Senator Kassebaum with an amendment in the nature of a substitute. With written report No. 104-156.

   Source: Committee

9. 12 October 1995

   Reported

   Committee on Labor and Human Resources. Reported to Senate by Senator Kassebaum with an amendment in the nature of a substitute. With written report No. 104-156.

   Source: Committee

10. 18 April 1996

    Floor

    Measure laid before Senate by unanimous consent. (consideration: CR S3503-3575, S3578-3613)

    Source: Floor

11. 19 April 1996

    Floor

    Returned to the Calendar. Calendar No. 205. (consideration: CR S3742)

    Source: Floor

12. 23 April 1996

    Vote

    Senate passed companion measure H.R. 3103 in lieu of this measure by Yea-Nay Vote. 100-0. Record Vote No: 78.

    Source: Floor

Votes

No vote records are attached yet.

Versions

• Reported to Senate · 12 October 1995 · Download file
• Introduced in Senate · 13 July 1995 · Download file

Documents

6 official files

• Reported to Senate (text)

  Reported to Senate · EN · 12 October 1995

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• Reported to Senate (PDF)

  Reported to Senate · EN · 12 October 1995

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• Reported to Senate with amendment(s)

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• Introduced in Senate (text)

  Introduced in Senate · EN · 13 July 1995

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  Vertaal document

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• Introduced in Senate (PDF)

  Introduced in Senate · EN · 13 July 1995

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  Vertaal document

  Documentvertaling op verzoek met downloadbare PDF (logo + link naar de officiële bron). Het bronbestand blijft leidend.

• Introduced in Senate

  summary · EN · 13 July 1995

  Open at official source

  Leesvertaling

  Vertaal dit document naar jouw taal. PoliticalRepo bewaart geen aparte kopie per EU-taal.

  Vertaal naarNL · DutchDE · GermanFR · FrenchES · SpanishIT · ItalianPL · PolishPT · PortugueseSV · SwedishDA · DanishFI · FinnishEL · GreekCS · CzechHU · HungarianRO · RomanianBG · BulgarianHR · CroatianSK · SlovakSL · SlovenianLT · LithuanianLV · LatvianET · EstonianGA · IrishMT · Maltese

  Vertaal document

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Sponsors

• Sen. Kassebaum, Nancy Landon [R-KS] · R · Sponsor
• Sen. Kennedy, Edward M. [D-MA] · D · Sponsor
• Sen. Frist, William H. [R-TN] · R · Sponsor
• Sen. Dodd, Christopher J. [D-CT] · D · Sponsor
• Sen. Jeffords, James M. [I-VT] · R · Sponsor
• Sen. Mikulski, Barbara A. [D-MD] · D · Sponsor
• Sen. Gregg, Judd [R-NH] · R · Sponsor
• Sen. Wellstone, Paul D. [D-MN] · D · Sponsor
• Sen. Gorton, Slade [R-WA] · R · Sponsor
• Sen. Pell, Claiborne [D-RI] · D · Sponsor
• Sen. Hatch, Orrin G. [R-UT] · R · Sponsor
• Sen. Simon, Paul [D-IL] · D · Sponsor
• Sen. Chafee, John H. [R-RI] · R · Sponsor
• Sen. Lieberman, Joseph I. [ID-CT] · D · Sponsor
• Sen. Cohen, William S. [R-ME] · R · Cosponsor
• Sen. Simpson, Alan K. [R-WY] · R · Cosponsor
• Sen. Rockefeller, John D., IV [D-WV] · D · Cosponsor
• Sen. Kerrey, J. Robert [D-NE] · D · Cosponsor
• Sen. Inouye, Daniel K. [D-HI] · D · Cosponsor
• Sen. Glenn, John H., Jr. [D-OH] · D · Cosponsor
• Sen. Dorgan, Byron L. [D-ND] · D · Cosponsor
• Sen. Snowe, Olympia J. [R-ME] · R · Cosponsor
• Sen. Bennett, Robert F. [R-UT] · R · Cosponsor
• Sen. Hatfield, Mark O. [R-OR] · R · Cosponsor
• Sen. Abraham, Spencer [R-MI] · R · Cosponsor
• Sen. McCain, John [R-AZ] · R · Cosponsor
• Sen. Ford, Wendell H. [D-KY] · D · Cosponsor
• Sen. Stevens, Ted [R-AK] · R · Cosponsor
• Sen. McConnell, Mitch [R-KY] · R · Cosponsor
• Sen. Graham, Bob [D-FL] · D · Cosponsor
• Sen. DeWine, Mike [R-OH] · R · Cosponsor
• Sen. Moseley-Braun, Carol [D-IL] · D · Cosponsor
• Sen. Daschle, Thomas A. [D-SD] · D · Cosponsor
• Sen. Warner, John [R-VA] · R · Cosponsor
• Sen. Pressler, Larry [R-SD] · R · Cosponsor
• Sen. Cochran, Thad [R-MS] · R · Cosponsor
• Sen. Hollings, Ernest F. [D-SC] · D · Cosponsor
• Sen. Pryor, David H. [D-AR] · D · Cosponsor
• Sen. Kohl, Herb [D-WI] · D · Cosponsor
• Sen. Kerry, John F. [D-MA] · D · Cosponsor
• Sen. Leahy, Patrick J. [D-VT] · D · Cosponsor
• Sen. Lugar, Richard G. [R-IN] · R · Cosponsor
• Sen. Robb, Charles S. [D-VA] · D · Cosponsor
• Sen. Boxer, Barbara [D-CA] · D · Cosponsor
• Sen. Bryan, Richard H. [D-NV] · D · Cosponsor
• Sen. Bond, Christopher S. [R-MO] · R · Cosponsor
• Sen. Feinstein, Dianne [D-CA] · D · Cosponsor
• Sen. Feingold, Russell D. [D-WI] · D · Cosponsor

Showing 48 of 68 sponsors and actors.

Related records

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• related to → ERISA Targeted Health Insurance Reform Act of 1996
• related to → Health Coverage Availability and Affordability Act of 1996
• related to ← Health Insurance Reform Act of 1996
• amends ← SAMDT 3673
• amends ← To extend State requested waivers of the foreign country residence with respect to international medical graduates, and for other purposes.
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Showing 11 of 22 related records.