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Key Votes

HB 443 - Establishes State Health Insurance Exchanges - Key Vote

Maryland Key Votes

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Family

Issues

Stage Details

Legislation - Became Law Without Governor's Signature (Executive) -

Title: Establishes State Health Insurance Exchanges

Legislation - Bill Passed (Senate) (35-11) - (Key vote)

Title: Establishes State Health Insurance Exchanges

Vote Smart's Synopsis:

Vote to pass a bill that establishes the state's health benefit exchange.

Highlights:
  • Establishes a health benefit exchange to meet all the minimum functions required by the Patient Protection and Affordable Care Act on or before January 1, 2014 (Sec. 3).
  • Defines “exchange” to include the following parts (Sec. 3):
    • The “individual exchange”; and
    • The Small Business Health Options Program (SHOP Exchange).
  • Defines “individual exchange” as the division of the exchange that serves the individual health insurance market (Sec. 3).
  • Requires carriers approved by the exchange to offer qualified health care plans for qualified individuals and employers (Sec. 3).
  • Defines “carrier” as any of the following (Sec 3):
    • An insurer authorized to sell health insurance;
    • A nonprofit health service plan;
    • A health maintenance organization;
    • A dental plan organization; or
    • Any other entity providing health insurance, benefits, or services.
  • Defines “qualified health plan” as a health benefit plan that has been certified by the exchange to meet the criteria for certification under the Patient Protection and Affordable Care Act (Sec. 3).
  • Defines “qualified individuals” as anyone who meets the following criteria (Sec. 3):
    • Is seeking to enroll in a qualified health plan offered to individuals through the exchange;
    • Resides in the state of Maryland;
    • Is not incarcerated; and
    • Is a citizen, national, or a legal alien of the United States.
  • Defines “qualified employer” as a small business owner who makes their full-time employees eligible for one or more qualified health plans offered through the small business health options exchange, provided that the employer (Sec. 3):
    • Has its principal place of business in the Maryland and elects to provide coverage through the SHOP exchange to all its eligible employees wherever they are employed; or
    • Elects to provide coverage through the SHOP exchange to all its employees who are “principally” employed in Maryland.
  • Specifies that when a carrier sets a community rate for a health benefit plan the rate must be  based on a rating methodology based on the experience of all risks covered by the health benefit plan and may only use the following factors to adjust the community rate (Sec. 2):
    • Age;
    • Geography; and
    • “Health Status”.
Legislation - Bill Passed (House) (94-44) - (Key vote)

Title: Establishes State Health Insurance Exchanges

Vote Smart's Synopsis:

Vote to pass a bill that establishes the state's health benefit exchange.

Highlights:
  • Establishes a health benefit exchange to meet all the minimum functions required by the Patient Protection and Affordable Care Act on or before January 1, 2014 (Sec. 3).
  • Defines “exchange” to include the following parts (Sec. 3):
    • The “individual exchange”; and
    • The Small Business Health Options Program (SHOP Exchange).
  • Defines “individual exchange” as the division of the exchange that serves the individual health insurance market (Sec. 3).
  • Requires carriers approved by the exchange to offer qualified health care plans for qualified individuals and employers (Sec. 3).
  • Defines “carrier” as any of the following (Sec 3):
    • An insurer authorized to sell health insurance;
    • A nonprofit health service plan;
    • A health maintenance organization;
    • A dental plan organization; or
    • Any other entity providing health insurance, benefits, or services.
  • Defines “qualified health plan” as a health benefit plan that has been certified by the exchange to meet the criteria for certification under the Patient Protection and Affordable Care Act (Sec. 3).
  • Defines “qualified individuals” as anyone who meets the following criteria (Sec. 3):
    • Is seeking to enroll in a qualified health plan offered to individuals through the exchange;
    • Resides in the state of Maryland;
    • Is not incarcerated; and
    • Is a citizen, national, or a legal alien of the United States.
  • Defines “qualified employer” as a small business owner who makes their full-time employees eligible for one or more qualified health plans offered through the small business health options exchange, provided that the employer (Sec. 3):
    • Has its principal place of business in the Maryland and elects to provide coverage through the SHOP exchange to all its eligible employees wherever they are employed; or
    • Elects to provide coverage through the SHOP exchange to all its employees who are “principally” employed in Maryland.
  • Specifies that when a carrier sets a community rate for a health benefit plan the rate must be  based on a rating methodology based on the experience of all risks covered by the health benefit plan and may only use the following factors to adjust the community rate (Sec. 2):
    • Age;
    • Geography; and
    • “Health Status”.
Legislation - Introduced (House) -

Title: Establishes State Health Insurance Exchanges

Note:

NOTE: THIS IS A BILL PROPOSED BY THE GOVERNOR AND/OR AGENCIES OF THE EXECUTIVE BRANCH, AND THEREFORE THE SPEAKER OF THE HOUSE, PRESIDENT OF THE SENATE, MINORITY LEADER, OR COMMITTEE CHAIR ARE LISTED AS AN OFFICIAL SPONSOR, BUT IT IS NOT A PROPOSAL OFFERED BY THOSE OFFICIALS.

Sponsors

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