Oklahoma 2024 Regular Session

Oklahoma House Bill HB3304 Compare Versions

Version 1 (Old)

Version 2 (New)

Old	New		Differences
1		-	An Act
2		-	ENROLLED HOUSE
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	3	+	ENGR. S. A. TO ENGR. H. B. NO. 3304 Page 1 1
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	28	+	ENGROSSED SENATE AMENDMENT
	29	+	TO
	30	+	ENGROSSED HOUSE
3	31		BILL NO. 3304 By: Bennett and Hefner of the
4	32		House
5	33
6	34		and
7	35
8	36		Coleman of the Senate
9	37
10	38
11	39
12	40
13	41
14		-
15	42		An Act relating to insurance; amending 36 O.S. 2021,
16		-	Section 123, as amended by Section 1 of Enrolled
17		-	House Bill No. 1505 of the 2nd Session of the 59th
18		-	Oklahoma Legislature, which relates to delivery and
19		-	storage of electronic documents; defining terms;
	43	+	Section 123, which relates to delivery and storage of
	44	+	electronic documents; providing definitions;
20	45		modifying definition; permitting plan sponsor of a
21	46		health benefit plan to take certain actions on behalf
22	47		of certain covered persons; requiring certain actions
23	48		by plan sponsor; requiring certain actions by the
24	49		insurer for the health benefit plan; requiring
25	50		insurer to apprise certain parties of significance of
26	51		certain notice or documents; and providing an
27	52		effective date.
28	53
29	54
30	55
31	56
32		-	SUBJECT: Insurance
	57	+
	58	+	AMENDMENT NO. 1. Page 1, strike the title, enacting clause and
	59	+	entire bill and insert
	60	+
	61	+
	62	+	“An Act relating to insurance; amending 36 O.S. 2021,
	63	+	Section 123, as amended by Section 1 of Enrolled
	64	+	House Bill No. 1505 of the 2nd Session of the 59th
	65	+	Oklahoma Legislature, which relates to delivery and
	66	+	storage of electronic documents; providing
	67	+	definitions; modifying d efinition; permitting plan
	68	+	sponsor of a health benefit plan to take certain
	69	+	actions on behalf of certain covered persons;
	70	+	requiring certain actions by plan sponsor; requiring
	71	+	certain actions by the insurer for the health benefit
	72	+	plan; requiring insurer to apprise certain parties of
	73	+	significance of certain notice or documents; updating
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	100	+	statutory references; and providing an effective
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33	105
34	106		BE IT ENACTED BY THE PEOPLE OF THE STATE OF OKLAHOMA:
35		-
36	107		SECTION 1. AMENDATORY 36 O.S. 2021, Section 123, as
37	108		amended by Section 1 of Enrolled House Bill No. 1505 of the 2nd
38	109		Session of the 59th Oklahoma Legislature, is amended to read as
39	110		follows:
40		-
41	111		Section 123. A. In this section, the following words shall
42	112		have the following meanings:
43		-
44	113		1. “Delivered by electronic means” includes:
45		-	ENR. H. B. NO. 3304 Page 2
46	114		a. delivery to an electronic mail address at which a
47	115		party has consented to receive notices or documents,
48	116		or
49		-
50	117		b. posting on an electronic network or site accessible
51	118		via the Internet, mobile application, computer, mobile
52	119		device, tablet or any other electronic device,
53	120		together with separate notice of the posting which
54	121		shall be provided by electronic mail to the address at
55	122		which the party has consented to receive notice, or by
56	123		any other delivery method that has been consented to
57	124		by the party.;
58		-
59	125		2. “Health benefit plan” means a health benefit plan as defined
60	126		pursuant to Section 6060.4 of this title;
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61	152
62	153		3. “Party” means any recipient of any notice or document
63	154		required as part of an insurance transaction, including but not
64	155		limited to an applicant, an insured, a policyholder , a covered
65	156		person, or an annuity contract holder .; and
66		-
67	157		4. “Plan sponsor” means a person, other than a regulated
68	158		entity, who establishes, adopts, or maintains a health benefit plan
69	159		that covers residents of this stat e, including a plan established,
70	160		adopted, or maintained by an employer or jointly by an employer and
71	161		one or more employee organizations, an association, a committee, a
72	162		joint board of trustees, or any similar group of representatives who
73	163		establish, adopt, or maintain a plan.
74		-
75	164		B. Subject to the requirements of this section, any notice to a
76	165		party or any other document required under applicable law in an
77	166		insurance transaction, or that is to serve as evidence of insurance
78	167		coverage, may be delivered, stored and p resented by electronic
79	168		means, so long as it meets the requirements of the Uniform
80	169		Electronic Transactions Act pursuant to Section 15 -101, et seq. of
81	170		Title 12A of the Oklahoma Statutes.
82		-
83	171		C. Delivery of a notice or document in accordance with this
84	172		section shall be considered equivalent to any delivery method
85	173		required under applicable law, including delivery by first class
86	174		mail; first class mail, postage prepaid; certified mail; certificate
87	175		of mail; or certificate of mailing.
88	176
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89	202		D. A notice or document may be de livered by electronic means by
90		-	an insurer to a party under this section if: ENR. H. B. NO. 3304 Page 3
91		-
	203	+	an insurer to a party under this section if:
92	204		1. The party has affirmatively consented to that method of
93	205		delivery and has not withdrawn the consent; or
94		-
95	206		2. The party, before giving consent, is provided with a clear
96	207		and conspicuous statement informing the party of:
97		-
98	208		a. the right of the party to withdraw consent to have a
99	209		notice or document delivered by electronic means, at
100	210		any time, and any conditions or consequences imposed
101	211		in the event consent is withdrawn,
102		-
103	212		b. the types of notices and documents to which the
104	213		party’s consent would apply,
105		-
106	214		c. the right of a party to have a notice or document
107	215		delivered in paper form, and
108		-
109	216		d. the procedures a party must follow to withdraw consent
110	217		to have a notice or document delivered by electronic
111	218		means and to update the party’s electronic mail
112	219		address;
113		-
114	220		3. The party:
115		-
116	221		a. before giving consent, is provided with a statement of
117	222		the hardware and software requirements for access to
118	223		and retention of a notice or document delivered by
119	224		electronic means, and
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120	250
121	251		b. consents electronically, or confirms consent
122	252		electronically, in a manner that reasonably
123	253		demonstrates that the party can access information in
124	254		the electronic form that will be used for notices or
125	255		documents delivered by electronic means as to which
126	256		the party has given consent;
127		-
128	257		4. The insurer takes measures reasonably calculated to ensure
129	258		that delivery by electronic means results in receipt of the notice
130	259		or document by the party; and
131		-
132	260		5. After consent of the party is given, the insurer, in the
133	261		event a change in the hardware or software requirements needed to
134		-	access or retain a notice or document ~~deli vered~~ by electronic means ~~ENR. H. B. NO. 3304 Page 4~~
	262	+	access or retain a notice or document delivered by electronic means
135	263		creates a material risk that the party will not be able to access or
136	264		retain a subsequent notice or document to which the consent applie s:
137		-
138	265		a. provides the party with a statement that describes:
139		-
140	266		(1) the revised hardware and software requirements
141	267		for access to and retention of a notice or
142	268		document delivered by electronic means, and
143		-
144	269		(2) the right of the party to withdraw consent
145	270		without the imposition of any condition or
146	271		consequence that was not disclosed at the time of
147	272		initial consent, and
	273	+	b. complies with paragraph 2 of this subsection.
148	274
149		-	b. complies with paragraph 2 of this subsection.
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150	299
151	300		E. 1. The plan sponsor of a health benefit plan may, on behalf
152	301		of covered persons enrolled in the plan, provide consent to the
153	302		mailing of all communications related to the plan by electronic
154	303		means otherwise required by paragraphs 1 and 2 of subsection D of
155	304		this section.
156		-
157	305		2. Before consenting on behalf of a covered person, a plan
158	306		sponsor must:
159		-
160	307		a. confirm that the covered person routinely uses
161	308		electronic communications during the normal course of
162	309		employment and is able to access and retain electronic
163	310		communications that may be delivered by the insurer,
164	311		and
165		-
166	312		b. inform the party in any manner the plan sponsor deem s
167	313		appropriate that such consent will be provided, and
168	314		that notices and documents related to the plan may be
169	315		delivered to the party’s work electronic mail address
170	316		unless the party affirmatively opts out of delivery by
171	317		electronic means or provides an alterna tive electronic
172	318		mail address.
173		-
174	319		3. Before providing delivery of a notice or document by
175	320		electronic means pursuant to this subsection, the insurer for the
176	321		health benefit plan must:
177		-	ENR. H. B. NO. 3304 Page 5
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178	348		a. provide the party with a clear and conspicuous
179	349		statement informing the per son of all of the
180	350		following:
181		-
182	351		(1) the types of notices and documents that may
183	352		be delivered to the covered person by
184	353		electronic means,
185		-
186	354		(2) the right of the party to withdraw consent
187	355		to have a notice or document delivered by
188	356		electronic means at any time witho ut charge,
189		-
190	357		(3) the procedures the party must follow to
191	358		withdraw consent to have a notice or
192	359		document delivered by electronic means and
193	360		to update the person’s electronic mail
194	361		address, and
195		-
196	362		(4) the right of the party to have any notice or
197	363		document delivered, upon request, in paper
198	364		form free of charge,
199		-
200	365		b. provide the party opportunity to opt out of delivery
201	366		by electronic means, and
202		-
203	367		c. document that the applicable provisions of the
204	368		conditions under the Uniform Electronic Transactions
205		-	Act, Section 15-101 et seq. of Title 12A of the
206		-	Oklahoma Statutes, are satisfied.
	369	+	Act, found at Section 15 -101 et seq. of Title 12A of
	370	+	the Oklahoma Statutes, are satisfied.
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207	396
208	397		4. When a notice or document is provided electronically to a
209	398		party pursuant to this subsection, an insurer shall apprise the
210	399		party of the significance of the notice or document when it is not
211	400		otherwise reasonably evident and of the right to request and obtain
212	401		a paper version of such notice or document.
213		-
214	402		F. This section does not affect requirements related to content
215	403		or timing of any notice or document required under applicable law.
216		-
217	404		F. G. If a provision of this title or applicable law requiring
218	405		a notice or document to be provided to a party expressly requires
219	406		verification or acknowledgment of receipt of the notice or document,
220	407		the notice or document may be delivered by electronic means only if
221	408		the method used provides for verification or acknowledgment of
222		-	receipt. ENR. H. B. NO. 3304 Page 6
223		-
	409	+	receipt.
224	410		G. H. The legal effectiveness, validity or enforceability of
225	411		any contract or policy of insurance executed by a party may not be
226	412		denied solely because of the failure to obtain electroni c consent or
227	413		confirmation of consent of the party in accordance with subparagraph
228	414		b of paragraph 3 of subsection D of this section.
229		-
230	415		H. I. 1. A withdrawal of consent by a party does not affect
231	416		the legal effectiveness, validity or enforceability of a notic e or
232	417		document delivered by electronic means to the party before the
233	418		withdrawal of consent is effective.
234	419
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235	445		2. A withdrawal of consent by a party is effective within a
236	446		reasonable period of time after receipt of the withdrawal by the
237	447		insurer.
238		-
239	448		3. Failure by an insurer to comply with paragraph 5 of
240	449		subsection D and subsection J of this section may be treated, at the
241	450		election of the party, as a withdrawal of consent for purposes of
242	451		this section.
243		-
244	452		I. J. This section does not apply to a notice or document
245	453		delivered by an insurer in an electronic form before the effective
246	454		date of this act November 1, 2017, to a party who, before that date,
247	455		has consented to receive notice or document in an electronic form
248	456		otherwise allowed by law.
249		-
250	457		J. K. If the consent of a party to r eceive certain notices or
251	458		documents in an electronic form is on file with an insurer before
252	459		the effective date of this act November 1, 2017, and pursuant to
253	460		this section, an insurer intends to deliver additional notices or
254	461		documents to such party in an ele ctronic form, then prior to
255	462		delivering such additional notices or documents electronically, the
256	463		insurer shall:
257		-
258	464		1. Provide the party with a statement that describes:
259		-
260	465		a. the notices or documents that shall be delivered by
261	466		electronic means under this section that were not
262	467		previously delivered electronically, and
263	468
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264	494		b. the party’s right to withdraw consent to have notices
265	495		or documents delivered by electronic means, without
266	496		the imposition of any condition or consequence that
267		-	was not disclosed at the time of initia l consent; and ENR. H. B. NO. 3304 Page 7
268		-
	497	+	was not disclosed at the time of initia l consent; and
269	498		2. Comply with paragraph 2 of subsection D of this section.
270		-
271	499		K. L. An insurer shall deliver a notice or document by any
272	500		other delivery method permitted by law other than electronic means
273	501		if:
274		-
275	502		1. The insurer attempts to deliver the notice or document by
276	503		electronic means and has a reasonable basis for believing that the
277	504		notice or document has not been received by the party; or
278		-
279	505		2. The insurer becomes aware that the electronic mail address
280	506		provided by the party is no longer valid.
281		-
282	507		L. M. Notwithstanding subsection A of this section or any other
283	508		law or regulation of this state requiring an insurer to provide,
284	509		send, or deliver an insurance policy or endorsement to an insured,
285	510		an insurer may elect to post a policy or endorsement that does not
286	511		contain personally identifiable information on its website provided
287	512		it complies with all of the following:
288		-
289	513		1. The policy or endorsement is easily accessible on the
290	514		website so long as it is in force;
291		-
292	515		2. The policy or endorsement is posted in a manner that enab les
293	516		the insured to print and save it using programs or applications
294	517		widely available on the Internet and free of charge to use;
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295	543
296	544		3. The insurer provides notice, in the manner it normally
297	545		communicates with the insured at the time of issuance or renewal of
298	546		the policy or endorsement, or at the time of any changes to the
299	547		policy or endorsement, of a method by which the insured may obtain,
300	548		upon request and without charge, at the choice of the insured, a
301	549		paper or electronic copy of the policy or endorsement, or an y
302	550		changes to them, and the Internet address where the policy and
303	551		endorsement are posted;
304		-
305	552		4. The insurer provides all of the following information on
306	553		each declarations page, or similar document as appropriate to the
307	554		line of coverage, provided to the insure d at the time of issuance or
308	555		renewal:
309		-
310	556		a. a description of the exact policy and endorsement
311	557		forms purchased by the insured,
312		-	ENR. H. B. NO. 3304 Page 8
313	558		b. a method by which the insured may obtain, upon request
314	559		and without charge, a paper or electronic copy of the
315	560		policy or endorsement , or any changes to them,
316		-
317	561		c. the Internet address where the policy and endorsement
318	562		are posted; and
319		-
320	563		5. After expiration of the policy or endorsement, the insurer
321	564		archives the expired policies or endorsements in accordance with the
322	565		Oklahoma Insurance Depart ment's general record retention
323	566		requirements and makes them available upon request.
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324	592
325	593		M. N. A producer shall not be subject to civil liability for
326	594		any harm or injury that occurs as a result of a party’s election to
327	595		receive any notice or document by electron ic means or by an
328	596		insurer’s failure to deliver a notice or document by electronic
329	597		means.
330		-
331	598		N. O. This section may not be construed to modify, limit or
332	599		supersede the provisions of the federal Electronic Signatures in
333	600		Global and National Commerce Act, Public Law 106-229, as amended.
	601	+	SECTION 2. This act shall become effective November 1, 2024. ”
	602	+	Passed the Senate the 17th day of April, 2024.
334	603
335		-	SECTION 2. This act shall become effective Nov ember 1, 2024. ENR. H. B. NO. 3304 Page 9
336		-	Passed the House of Representatives the 9th day of May, 2024.
	604	+
	605	+
	606	+	Presiding Officer of the Senate
	607	+
	608	+
	609	+	Passed the House of Representatives the ____ day of __________,
	610	+	2024.
	611	+
	612	+
	613	+
	614	+	Presiding Officer of the House
	615	+	of Representatives
	616	+
	617	+	ENGR. H. B. NO. 3304 Page 1 1
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	641	+
	642	+	ENGROSSED HOUSE
	643	+	BILL NO. 3304 By: Bennett and Hefner of the
	644	+	House
	645	+
	646	+	and
	647	+
	648	+	Coleman of the Senate
	649	+
	650	+
	651	+
	652	+
	653	+
	654	+	An Act relating to insurance; amending 36 O.S. 2021,
	655	+	Section 123, which relates to delivery and storage of
	656	+	electronic documents; providing definitions;
	657	+	modifying definition ; permitting plan sponsor of a
	658	+	health benefit plan to take certain actions on behalf
	659	+	of certain covered persons; requiring cert ain actions
	660	+	by plan sponsor; requiring certain actions by the
	661	+	insurer for the health benefit plan; requiring
	662	+	insurer to apprise certain parties of significance of
	663	+	certain notice or documents ; and providing an
	664	+	effective date.
	665	+
	666	+
	667	+
	668	+
	669	+
	670	+	BE IT ENACTED BY THE PEOPLE OF THE STA TE OF OKLAHOMA:
	671	+	SECTION 3. AMENDATORY 36 O.S. 2021, Sec tion 123, is
	672	+	amended to read as follows:
	673	+	Section 123. A. In this section, the followin g words shall
	674	+	have the following meanings:
	675	+	1. "Delivered by electronic means" includes:
	676	+	a. delivery to an electronic mail address at which a
	677	+	party has consented to r eceive notices or documents,
	678	+	or
	679	+
	680	+	ENGR. H. B. NO. 3304 Page 2 1
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	705	+	b. posting on an electronic network or site accessible
	706	+	via the Internet, mobile application, computer, mobile
	707	+	device, tablet or any other electro nic device,
	708	+	together with separate n otice of the posting which
	709	+	shall be provided by electronic mail to the address at
	710	+	which the party has consented to receive notice, or by
	711	+	any other delivery method that has been consented to
	712	+	by the party.
	713	+	2. "Health benefit plan" means an employer policy, contract,
	714	+	certificate, or agreement entered i nto, offered by, or issued by an
	715	+	insurer to provide, deliver, arrange for, pay for, or reimburse any
	716	+	of the costs of health care services, including a vision or dental
	717	+	benefit plan and a self-insured plan as permitted under the Employee
	718	+	Retirement Income Security Act of 1974.
	719	+	3. "Party" means any recipient of any notice or document
	720	+	required as part of an insu rance transaction, including but not
	721	+	limited to an applicant, an insure d, a policyholder, a covered
	722	+	person, or an annuity contract holder.
	723	+	4. "Plan sponsor" means a person, other than a regulate d
	724	+	entity, who establishes, adopts, or maintains a health bene fit plan
	725	+	that covers residents of this state , including a plan establis hed,
	726	+	adopted, or maintained by an employer or jointly by an employer and
	727	+	one or more employee organizations, an association, a committee, a
	728	+
	729	+	ENGR. H. B. NO. 3304 Page 3 1
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	754	+	joint board of trustees, or any similar group of representatives who
	755	+	establish, adopt, or maintain a plan.
	756	+	B. Subject to the requirements of this sec tion, any notice to a
	757	+	party or any other document required under applicable law in an
	758	+	insurance transaction, or that is to serve as evidence of insuran ce
	759	+	coverage, may be delivered, stored and p resented by electronic
	760	+	means, so long as it meets the requirem ents of the Uniform
	761	+	Electronic Transactions Act pursuant to Section 15-101, et seq. of
	762	+	Title 12A of the Oklahoma Statutes.
	763	+	C. Delivery of a notice or document in accordance with this
	764	+	section shall be considered equivalent to any delivery method
	765	+	required under applicable law, including delivery by first class
	766	+	mail; first class mail, postage prepaid; certifi ed mail; certificate
	767	+	of mail; or certificate of mailing.
	768	+	D. A notice or document may be de livered by electronic means by
	769	+	an insurer to a party under thi s section if:
	770	+	1. The party has affirmatively consented to that method of
	771	+	delivery and has not withdraw n the consent; or
	772	+	2. The party, before giving c onsent, is provided with a clear
	773	+	and conspicuous statement informing th e party of:
	774	+	a. the right of the party to withdraw consent to have a
	775	+	notice or document delivered by electronic means, at
	776	+	any time, and any conditions or consequences imposed
	777	+	in the event consent is withdrawn,
	778	+
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	804	+	b. the types of notices and documents to which the
	805	+	party's consent would apply,
	806	+	c. the right of a party to have a notice or document
	807	+	delivered in paper form, and
	808	+	d. the procedures a party must follow to withdraw consent
	809	+	to have a notice or document delivered by electronic
	810	+	means and to update the party 's electronic mail
	811	+	address;
	812	+	3. The party:
	813	+	a. before giving consent, is provided with a statement of
	814	+	the hardware and software requirement s for access to
	815	+	and retention of a notice or doc ument delivered by
	816	+	electronic means, and
	817	+	b. consents electronically, or confirms consent
	818	+	electronically, in a manner that reasonably
	819	+	demonstrates that the party can access information in
	820	+	the electronic form t hat will be used for notices or
	821	+	documents delivered by electronic means as to which
	822	+	the party has given consent;
	823	+	4. The insurer takes measures reasonabl y calculated to ensure
	824	+	that delivery by electronic means results in receipt of the notice
	825	+	or document by the party; and
	826	+	5. After consent of the party is given, the insurer, in the
	827	+	event a change in the hardware or softwar e requirements needed to
	828	+
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	854	+	access or retain a notice or document delivered by electronic means
	855	+	creates a material risk that the party will not be able to access or
	856	+	retain a subsequent not ice or document to which the consent applie s:
	857	+	a. provides the party wit h a statement that describes:
	858	+	(1) the revised hardware and software requirements
	859	+	for access to and retention of a notice or
	860	+	document delivered by electronic means, and
	861	+	(2) the right of the party to withdraw consent
	862	+	without the imposition of any condition o r
	863	+	consequence that was not disclos ed at the time of
	864	+	initial consent, and
	865	+	b. complies with paragraph 2 of this subsection.
	866	+	E. 1. The plan sponsor of a health benefit plan may, on behal f
	867	+	of covered persons enrolled in the plan, pr ovide the consent to the
	868	+	mailing of all communications relat ed to the plan by electronic
	869	+	means otherwise required by paragraphs 1 and 2 of subsection D of
	870	+	this section.
	871	+	2. Before consenting on behalf of a covered person, a plan
	872	+	sponsor must:
	873	+	a. confirm that the cover ed person routinely uses
	874	+	electronic communicatio ns during the normal course of
	875	+	employment and is able to access and retain electronic
	876	+	communications that may be delivered by the insurer ,
	877	+	and
	878	+
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	904	+	b. inform the party in any manner the plan sponsor deems
	905	+	appropriate that such consent will be provided, and
	906	+	that notices and documents related to the plan ma y be
	907	+	delivered to the party's work electronic mail address
	908	+	unless the party affirmatively opts out of delivery by
	909	+	electronic means or provides an alternati ve electronic
	910	+	mail address.
	911	+	3. Before providing deliver y of a notice or document by
	912	+	electronic means pursuant to this subsection, the insurer for the
	913	+	health benefit plan mus t:
	914	+	a. provide the party with a clear and conspicuous
	915	+	statement informing the perso n of all of the
	916	+	following:
	917	+	(1) the types of notices and documents that may
	918	+	be delivered to the covere d person by
	919	+	electronic means,
	920	+	(2) the right of the party to withdraw consent
	921	+	to have a notice or document delivered by
	922	+	electronic means at any time without charge,
	923	+	(3) the procedures the party must follow to
	924	+	withdraw consent to have a notice or
	925	+	document delivered by electronic means and
	926	+	to update the person's electronic mail
	927	+	address, and
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	954	+	(4) the right of the party to have any notice or
	955	+	document delivered, up on request, in paper
	956	+	form free of charge,
	957	+	b. provide the party opportunity to opt out of delivery
	958	+	by electronic means, and
	959	+	c. document that the applicable provisions of the
	960	+	conditions under the Uniform Electronic Transactions
	961	+	Act, found at Section 15-101 et seq. of Title 12A of
	962	+	the Oklahoma Statutes are satisfied.
	963	+	4. When a notice or document is provided electronically to a
	964	+	party pursuant to this subsection, an insurer shall apprise the
	965	+	party of the significance of the notice or document when it is n ot
	966	+	otherwise reasonably evident and of the right to request an d obtain
	967	+	a paper version of such notice or document.
	968	+	F. This section does not affect requirements related to content
	969	+	or timing of any notice or document required under applicable law.
	970	+	F. G. If a provision of this title or applicable law requiring
	971	+	a notice or document to be provided to a party expressly requires
	972	+	verification or acknowledgment of receipt of the notice or document,
	973	+	the notice or document may be delivered by electronic means only if
	974	+	the method used provides for verification or acknowledgment of
	975	+	receipt.
	976	+	G. H. The legal effectiveness, validity or enforceability of
	977	+	any contract or policy of insurance executed by a party may not be
	978	+
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	1004	+	denied solely because of the failure to obtain electronic con sent or
	1005	+	confirmation of consent of the party in accord ance with subparagraph
	1006	+	b of paragraph 3 of subsection D of this section.
	1007	+	H. I. 1. A withdrawal of consent by a party does not af fect
	1008	+	the legal effectiveness, validity or enforceability of a notice or
	1009	+	document delivered by electronic means to the party be fore the
	1010	+	withdrawal of consent is effective.
	1011	+	2. A withdrawal of consent by a party is effective within a
	1012	+	reasonable period of tim e after receipt of the withdrawal by the
	1013	+	insurer.
	1014	+	3. Failure by an insu rer to comply with paragraph 5 of
	1015	+	subsection D and sub section J of this section may be treated, at the
	1016	+	election of the party, as a withdrawal of consent for purposes of
	1017	+	this section.
	1018	+	I. J. This section does not apply to a notice or document
	1019	+	delivered by an insurer in an electronic form before the effective
	1020	+	date of this act to a party who, before that date, has consented to
	1021	+	receive notice or document in an electronic form otherwise allo wed
	1022	+	by law.
	1023	+	J. K. If the consent of a party to receive certain notices or
	1024	+	documents in an electronic form is on file with an insurer before
	1025	+	the effective date of this act, and pursuant to this section, an
	1026	+	insurer intends to deliver additional notices or d ocuments to such
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	1053	+	party in an electronic form, then prior to delivering s uch
	1054	+	additional notices or documents electronically, th e insurer shall:
	1055	+	1. Provide the party with a statement that describes:
	1056	+	a. the notices or documents that shall be delivered by
	1057	+	electronic means under this section that were not
	1058	+	previously delivered elec tronically, and
	1059	+	b. the party's right to withdraw conse nt to have notices
	1060	+	or documents delivered by electronic means, without
	1061	+	the imposition of any condition or consequence that
	1062	+	was not disclosed at the time of initial consent ; and
	1063	+	2. Comply with paragraph 2 of subsection D of this section.
	1064	+	K. L. An insurer shall deliver a notice or document by any
	1065	+	other delivery method permitted by law other than electronic means
	1066	+	if:
	1067	+	1. The insurer attempts to deliver the notice or document by
	1068	+	electronic means and has a reasonable basis for believing that the
	1069	+	notice or document has not been received by the party; or
	1070	+	2. The insurer becomes aware that the ele ctronic mail address
	1071	+	provided by the party i s no longer valid.
	1072	+	L. M. A producer shall not be subject to civil liabi lity for
	1073	+	any harm or injury that occurs as a result of a party's election to
	1074	+	receive any notice or document by electronic means or by an
	1075	+	insurer's failure to deliver a notice or docume nt by electronic
	1076	+	means.
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	1102	+
	1103	+	M. N. This section may not be construed to modi fy, limit or
	1104	+	supersede the provisions of the federal E lectronic Signatures in
	1105	+	Global and National Commerce Act, Public Law 106-229, as amended.
	1106	+	SECTION 4. This act shall become effective November 1, 2024.
	1107	+	Passed the House of Representatives the 13th day of March, 2024.
	1108	+
337	1109
338	1110
339	1111
340	1112		Presiding Officer of the House
341	1113		of Representatives
342	1114
343	1115
	1116	+	Passed the Senate the ____ day of __________, 2024.
344	1117
345		-	Passed the Senate the 17th day of April, 2024.
346	1118
347	1119
348	1120
349	1121		Presiding Officer of the Senate
350	1122
351	1123
352	1124
353		-	OFFICE OF THE GOVERNOR
354		-	Received by the Office of the Governor this ____________________
355		-	day of ___________________, 20_______, at _______ o'clock _______ M.
356		-	By: _________________________________
357		-	Approved by the Governor of the State of Oklahoma this _________
358		-	day of ___________________, 20_______, at _______ o'clock _______ M.
359		-
360		-
361		-	_________________________________
362		-	Governor of the State of Oklahoma
363		-
364		-	OFFICE OF THE SECRETARY OF STATE
365		-	Received by the Office of the Secretary of State this __________
366		-	day of ___________________, 20_______, at __ _____ o'clock _______ M.
367		-	By: _________________________________