Bill Text: PA HB47 | 2011-2012 | Regular Session | Introduced

---

Bill Title: Providing for right to purchase health insurance sold in other states.

Spectrum: Partisan Bill (Republican 31-1)

Status: (Introduced - Dead) 2011-01-19 - Referred to INSURANCE [HB47 Detail]

Download: Pennsylvania-2011-HB47-Introduced.html

---

PRINTER'S NO. 22
THE GENERAL ASSEMBLY OF PENNSYLVANIA
HOUSE BILL
No. 47 Session of2011
INTRODUCED BY BAKER, MICOZZIE, CLYMER, HESS, BOYD, CHRISTIANA, CUTLER, EVERETT, FARRY, GABLER, GINGRICH, GOODMAN, GROVE, KAUFFMAN, KILLION, PETRI, PICKETT, REICHLEY, ROAE, SAYLOR, STERN, SWANGER, TALLMAN, J. TAYLOR, VULAKOVICH, WATSON, GEIST, CAUSER AND BARRAR, JANUARY 19, 2011
REFERRED TO COMMITTEE ON INSURANCE, JANUARY 19, 2011
AN ACT
Amending the act of May 17, 1921 (P.L.789, No.285), entitled, as
amended, "An act relating to insurance; establishing an
insurance department; and amending, revising, and
consolidating the law relating to the licensing,
qualification, regulation, examination, suspension, and
dissolution of insurance companies, Lloyds associations,
reciprocal and inter-insurance exchanges, and certain
societies and orders, the examination and regulation of fire
insurance rating bureaus, and the licensing and regulation of
insurance agents and brokers; the service of legal process
upon foreign insurance companies, associations or exchanges;
providing penalties, and repealing existing laws," providing
for right to purchase health insurance sold in other states.
The General Assembly of the Commonwealth of Pennsylvania
hereby enacts as follows:
Section 1. The act of May 17, 1921 (P.L.789, No.285), known
as The Insurance Department Act of 1921, is amended by adding a
section to read:
Section 107. Right to Purchase Health Insurance Sold in
Other States.--(a) The Insurance Commissioner shall undertake a
review of laws and regulations existing on the effective date of
this section pertaining to the business of health insurance in
this Commonwealth and in other states to determine how to allow
Pennsylvania residents the ability to purchase health insurance
products sold in other states by carriers not otherwise subject
to Pennsylvania insurance laws and regulations.
(b) On or before December 1, 2011, the Insurance
Commissioner shall submit a report to the Banking and Insurance
Committee of the Senate and the Insurance Committee of the House
of Representatives on what changes to Pennsylvania laws and
regulations would be necessary in order to enable Pennsylvanians
to purchase out-of-State health insurance products. The report
shall address at least the following:
(1) The mechanism by which the Insurance Commissioner can
regulate the purchase of out-of-State health insurance products
and the carriers offering those products in order to protect
Pennsylvania consumers, either through multistate agreements
with other states or a similar mechanism whereby the Insurance
Commissioner and the other states that participate in the
agreement delineate their respective roles and responsibilities
for oversight, regulation and enforcement of applicable laws and
rules and specify which state's laws and regulations apply.
(2) The responsibilities of out-of-State carriers with
regard to informing Pennsylvania consumers about the impact of
purchasing a health insurance product that is regulated by the
laws of another state, including information about whether
coverages that are mandated by Pennsylvania law are included in
the out-of-State product, whether Pennsylvania laws or
restrictions on rate changes apply and whether the product is
more or less expensive that other products regulated under
Pennsylvania laws and rules.
(3) The barriers to allowing Pennsylvania consumers to
20110HB0047PN0022 - 2 -
purchase out-of-State health insurance products.
(4) A proposed time line for implementing changes necessary
to enable the interstate purchase of health insurance.
Section 2. This act shall take effect in 60 days.
20110HB0047PN0022 - 3 -