House Bill 483

Last Action to Health and Family Services (H)
Title AN ACT relating to mandatory benefits for health benefit plans.
Bill Documents Introduced
Impact Statements Health Mandate
Bill Request Number 1216
Sponsors M. Cantrell, J. Jenkins
Summary of Original Version Create a new section of Subtitle 17A of KRS Chapter 304 to prohibit insurers from imposing any preexisting condition exclusions, any lifetime dollar limits or unreasonable annual dollar limits on benefits, to prohibit rescission except as authorized by KRS 304.17A-240, or from discriminating against an individual in premiums or contributions based on the individuals sex, to require insurers provide coverage for essential health care benefits, guaranteed acceptance of individuals or employers who apply for coverage, and to provide coverage, not subject to cost-sharing requirements for certain preventative services; amend KRS 304.17A-005 to remove definitions for guaranteed acceptance program (GAP), GAP insurer, GAP plan, GAP qualified individual, GAP supporting individual, and high-cost condition; amend KRS 304.17A-095 to require all individual and small group health benefit plans to have a minimum loss ratio of 80% and for large group health benefit plans a minimum loss ratio of 85%; amend KRS 304.17A-0952 and 304.17A-0954 to remove gender from case characteristics for rating factors; amend KRS 304.17A-096 to make technical correction; amend KRS 304.17A-200 to prohibit any insurer offering a health benefit plan from establishing eligibility rules based on certain factors and to remove references to preexisting conditions provisions; amend KRS 304.17A-220, 304.17A-250, 304.17A-706, and 304.18-114 to remove references to preexisting condition exclusions; amend KRS 304.17A-256 to require all health benefit plans which provide dependent coverage to provide that coverage until the dependent turns 26 years old; amend KRS 304.17B-001 to make technical corrections and to remove definitions for GAP, GAP participating insurer and preexisting condition exclusion; amend KRS 304.17B-007 to remove reference to GAP and GAP participating insurer; amend KRS 304.17B-015 and 304.17B-021 to remove reference to GAP; amend KRS 304.17C-010, 304.38A-010, and 304.39-241 to make technical corrections; repeal 304.17A-230, 304.17A-410, 304.17A-430, 304.17A-450, 304.17B-023, and 304.17B-025.
Index Headings of Original Version Health and Medical Services - Essential health benefits, required insurance coverage for
Hospitals and Nursing Homes - Essential health benefit, hospitalization benefits, insurance coverage required for
Insurance, Health - Annual limitation on benefits, limitation of
Insurance, Health - Dependent coverage, age 26, required coverage to
Insurance, Health - Essential health benefits, required coverage of
Insurance, Health - Guaranteed issue, requirement for
Insurance, Health - Lifetime limit on benefits, prohibition of
Insurance, Health - Minimum loss ratio, establishment of
Insurance, Health - Premiums, discrimination in
Insurance, Health - Preventative services, cost-sharing, limitation of
Men - Insurance premiums, discrimination prohibited
Mental Health - Insurance coverage, required coverage for
Women - Insurance premiums, discrimination prohibited
Children and Minors - Dependent insurance coverage, age 26, required coverage to
Health Benefit Mandate - Insurance premiums, discrimination prohibited


  • introduced in House
  • to Health and Family Services (H)

Last updated: 1/16/2019 3:02 PM (EST)