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Bill Detail: HB20-1008

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Title Health Care Cost-sharing Consumer Protections
Status House Second Reading Laid Over to 12/31/2020 - No Amendments (05/28/2020)
Bill Subjects
  • Financial Services & Commerce
  • Health Care & Health Insurance
House Sponsors S. Lontine (D)
Senate Sponsors R. Fields (D)
House Committee Health and Insurance
Senate Committee
Date Introduced 01/08/2020

The bill defines a health care cost-sharing arrangement as a
health care sharing ministry or medical cost-sharing community that
collects funds from its members on a regular basis, at levels established
by the arrangement, for purposes of sharing, covering, or defraying the
medical costs of its members. A health care cost-sharing arrangement is
required to:

  • Report specified information to the commissioner of
insurance (commissioner) regarding its operations,
financial statements, membership, and medical bills
submitted, paid, and denied;
  • Provide certain disclosures on its website, in marketing
materials, and to potential members; and
  • Respond to requests for payment of medical expenses from
health care providers within a period specified by the
commissioner by rule.
If an insurance broker offers to enroll or enrolls individuals or
groups in a health care cost-sharing arrangement, the broker must provide
the same disclosures that a health care cost-sharing arrangement is
required to provide.
The bill also prohibits a health care cost-sharing arrangement or
insurance broker from offering or enrolling participants in the
arrangement during the annual open enrollment period for health benefit
The commissioner is authorized to adopt rules to implement the
data reporting, disclosure, and response time requirements and to impose
fines for failure to comply with the requirements and prohibitions
specified in the bill.
A person is prohibited from making, issuing, circulating, or
causing to be made, issued, or circulated any statement or publication that
misrepresents the medical cost-sharing benefits, advantages, conditions,
or terms of any health care cost-sharing arrangement. The commissioner
is authorized to issue an emergency, ex parte cease-and-desist order
against a person the commissioner believes to be violating this prohibition
if it appears to the commissioner that the alleged conduct is fraudulent,
creates an immediate danger to public safety, or is causing or is
reasonably expected to cause significant, imminent, and irreparable public
injury. If a person violates the emergency order, the commissioner may
impose a civil penalty, order restitution, or both.

Committee Reports
with Amendments
Full Text
Full Text of Bill (pdf) (most recent)
Fiscal Notes Fiscal Notes (01/31/2020) (most recent)  
Additional Bill Documents Bill Documents
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