Connecticut House Bill HB06563

Connecticut 2011 Regular Session

• Introduced: 3/9/11
• Refer: 3/9/11
• Report Pass: 3/17/11
• Refer: 3/28/11
• Report Pass: 4/4/11

Caption

An Act Concerning Small Employer Health Care Plans.

Impact

The enactment of HB 06563 is anticipated to significantly impact the state's health insurance landscape by mandating that small employer carriers submit their health care plans for approval. This would ensure that employers have access to consistent and reliable health insurance options while also introducing provisions that promote cost containment such as preferred provider arrangements and utilization reviews. It attempts to strike a balance between ensuring affordable options for small employers while maintaining oversight by state authorities to prevent substandard offerings.

Summary

House Bill 06563, known as the Act Concerning Small Employer Health Care Plans, proposes amendments to the existing regulations governing health care plans available for small employers. The bill aims to establish a set of small employer health care plans that must be approved by the state's insurance commissioner. These plans would offer varying coverage options designed to accommodate the diverse needs of small businesses and their employees, enhancing their access to health insurance without overwhelming costs.

Sentiment

The general sentiment surrounding the bill appears to be cautiously optimistic. Advocates argue that improved access to affordable health care plans will bolster small businesses, particularly as health care costs remain a primary concern for employers. Conversely, some stakeholders express concern about potential burdens on insurance carriers and the risk that certain regions may lack sufficient coverage options, particularly in areas where health care centers are not available or where capacity issues exist.

Contention

Notable points of contention within the bill's discussions were related to the balance between regulatory oversight and the flexibility that small employer carriers need to create viable insurance products. Some critics worried that strict state regulations could limit the innovation and competitiveness of health plans in the small employer market. Additionally, there were concerns about the implications of restricting health care centers from offering certain coverage options based on geographical limitations, which may unfairly disadvantage some small employers.