An Act Concerning High Deductible Health Plans, Qualified Health Plans And Discrimination Against Persons On The Basis Of Sexual Orientation Or Gender Identity.
The bill proposes several key changes to existing laws under title 38a of the general statutes. Among these changes, it sets a minimum actuarial value for qualified health plans offered through the Connecticut Health Insurance Exchange at no less than seventy percent, which enhances the minimum level of coverage that consumers can expect. Additionally, by requiring these plans to offer a broader provider network, the bill aims to increase accessibility to healthcare services for insured individuals, particularly those enrolled in high deductible plans.
SB00029 is a proposed act that aims to address various aspects of high deductible health plans and qualified health plans, while also tackling discrimination in the insurance sector based on sexual orientation or gender identity. The bill seeks to standardize the application of annual deductibles to align with the calendar year, ensuring clarity and consistency for policyholders. It also mandates that specific health care providers promptly refund excess cost-sharing payments, which is a significant move towards consumer protection in healthcare transactions.
Another critical aspect of SB00029 is its provision prohibiting life insurers from discriminating against individuals based on their sexual orientation or gender identity. This component reflects an effort to promote equality and protect vulnerable populations within the insurance landscape. However, discussions around such provisions may provoke debates among lawmakers and advocacy groups regarding the implications for insurers and the necessity of enforcing non-discriminatory practices in all facets of healthcare and insurance.