S. 137Senate112th Congress (2011-2013)In Committee

Health Insurance Rate Review Act

Introduced January 25, 2011

Legislative Activity

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2 earlier actions
SenateIntro Referral Latest Action

Read twice and referred to the Committee on Health, Education, Labor, and Pensions. (text of measure as introduced: CR S206)

January 25, 2011

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SenateIntro Referral

Introduced in Senate

January 25, 2011

SenateIntro Referral

Sponsor introductory remarks on measure. (CR S204-206)

January 25, 2011

SenateIntro Referral

Read twice and referred to the Committee on Health, Education, Labor, and Pensions. (text of measure as introduced: CR S206)

January 25, 2011

Floor Debate

22 members

What members said about S. 137 on the floor

5 Republicans17 Democrats
Dianne Feinstein
Sen. Dianne FeinsteinD-CA · Jan 25, 2011

Mr. President, I rise on behalf of myself and Senator Boxer to introduce legislation to establish a National Heritage Area in the California Sacramento-San Joaquin Delta. This legislation will create…

Daniel K. Inouye
Sen. Daniel K. InouyeD-HI · Jan 25, 2011

Mr. President, I am pleased to introduce the Coral Reef Conservation Amendments Act, which I also introduced in the 111th Congress. This critical bill reauthorizes and strengthens the Coral Reef…

Herb Kohl
Sen. Herb KohlD-WI · Jan 25, 2011

Mr. Chairman, I rise today to introduce the Preserve Access to Affordable Generics Act. This bipartisan legislation will dramatically reduce prescription drug costs by preventing one of the most…

Patrick J. Leahy
Sen. Patrick J. LeahyD-VT · Jan 25, 2011

Mr. President, the United States of America has long been the world leader in invention and innovation. That leadership has propelled our economic growth, but we cannot remain complacent while…

Maria Cantwell
Sen. Maria CantwellD-WA · Jan 25, 2011

Mr. President, I rise today to introduce legislation that will preserve the free and open Internet that has led to the growth of broadband. The broadband Internet is integral to U.S. job creation,…

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Dianne Feinstein
Sen. Dianne FeinsteinD-CA · Jan 25, 2011

Mr. President, in passing the Patient Protection and Affordable Care Act, PPACA, on March 23, 2010, the 111th Congress made great strides towards protecting consumers from egregious health insurance…

John D. Rockefeller IV
Sen. John D. Rockefeller IVD-WV · Jan 25, 2011

Mr. President, I rise today to reintroduce the Public Safety Spectrum and Wireless Innovation Act. Radio spectrum is a tremendous resource. It can grow our economy and put innovative wireless…

Tom Harkin
Sen. Tom HarkinD-IA · Jan 25, 2011

Mr. President, the Healthy Lifestyles and Prevention America Act, also known as the HeLP America Act, will improve the health of Americans and reduce health care costs by emphasizing prevention,…

Susan M. Collins
Sen. Susan M. CollinsR-ME · Jan 25, 2011

Mr. President, improving public safety, growing our economy, increasing energy independence, and protecting the environment have always been among my top priorities as a Senator. Today, the very…

Sheldon Whitehouse
Sen. Sheldon WhitehouseD-RI · Jan 25, 2011

Mr. President, from the Recovery Act to the Small Business Jobs Act, in the previous Congress we passed a number of substantial pieces of legislation to preserve, protect, and create American jobs.…

Kay Bailey Hutchison
Sen. Kay Bailey HutchisonR-TX · Jan 25, 2011

Mr. President, I am pleased to introduce a bill to provide permanent tax relief from the marriage penalty--the most egregious, anti-family provision in the tax code. One of my highest priorities in…

Jon Tester
Sen. Jon TesterD-MT · Jan 25, 2011

Mr. President, I rise today to introduce the Common Sense in Consumer Product Safety Act of 2011 on behalf of the folks across America who are outdoor enthusiasts and budding sportsman and women.…

Jeff Bingaman
Sen. Jeff BingamanD-NM · Jan 25, 2011

Mr. President, today I am introducing the American Medical Isotopes Production Act of 2011. The purpose of the bill is to provide certainty in developing a domestic supply of molybdenum-99, which is…

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Max Baucus
Sen. Max BaucusD-MT · Jan 25, 2011

Mr. President, American judge and judicial philosopher Learned Hand once wrote: ``Any one may so arrange his affairs that his taxes shall be as low as possible; he is not bound to choose that pattern…

Orrin G. Hatch
Sen. Orrin G. HatchR-UT · Jan 25, 2011

Mr. President, I rise to express support for the Patent Reform Act of 2011, S. 23, introduced today by Senate Judiciary Committee Chairman Patrick Leahy. Senator Leahy and I, along with a number of…

Mark Kirk
Sen. Mark KirkR-IL · Jan 25, 2011

Mr. President, today I am pleased to join with Senator Durbin to introduce the Great Lakes Water Protection Act. This bipartisan legislation would set a date certain to end sewage dumping in…

Barbara Boxer
Sen. Barbara BoxerD-CA · Jan 25, 2011

Mr. President, I rise today to introduce the Helping Responsible Homeowners Act of 2011. This legislation will eliminate barriers that have prevented millions of borrowers who continue to make their…

Richard J. Durbin
Sen. Richard J. DurbinD-IL · Jan 25, 2011

Mr. President, today I am introducing the Great Lakes Water Protection Act with my colleague, Senator Mark Kirk. We face many challenges in protecting the Great Lakes--from contaminated sediment to…

Chuck Grassley
Sen. Chuck GrassleyR-IA · Jan 25, 2011

Mr. President, Senator Baucus and I first introduced a bill to ban patents for tax inventions in the 110th Congress. Since then, we have worked with the leaders of the Judiciary Committee, the Patent…

Joseph I. Lieberman
Sen. Joseph I. LiebermanD-CT · Jan 25, 2011

Mr. President, today, I introduced legislation to protect the coastal plains region of the Arctic National Wildlife Refuge from oil and gas exploration and drilling. Every Congress since the 101st, I…

Harry Reid
Sen. Harry ReidD-NV · Jan 25, 2011

Mr. President, I ask unanimous consent that the text of the bill be printed in the Record.

Jeanne Shaheen
Sen. Jeanne ShaheenD-NH · Jan 25, 2011

Mr. President, I ask unanimous consent that the text of the bill be printed in the Record.

Al  Franken
Sen. Al Franken D-MN · Jan 25, 2011

Mr. President, I ask unanimous consent that the text of the bill be printed in the Record.

Bill Text

Latest available legislative text

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Introduced in SenateIssued January 25, 2011

II

112th CONGRESS

1st Session

S. 137

IN THE SENATE OF THE UNITED STATES

January 25 (legislative day, January 5), 2011

Mr. Reid (for Mrs. Feinstein (for herself, Mr. Inouye, Mrs. Boxer, Mr. Sanders, Mr. Whitehouse, Mr. Casey, and Mr. Lautenberg) introduced the following bill; which was read twice and referred to the Committee on Health, Education, Labor, and Pensions

A BILL

To amend the Public Health Service Act to provide protections for consumers against excessive, unjustified, or unfairly discriminatory increases in premium rates.

1.

Short title

This Act may be cited as the Health Insurance Rate Review Act.

2.

Protection of consumers from excessive, unjustified, or unfairly discriminatory rates

(a)

Protection from excessive, unjustified, or unfairly discriminatory rates

The first section 2794 of the Public Health Service Act (42 U.S.C. 300gg–94), as added by section 1003 of the Patient Protection and Affordable Care Act (Public Law 111–148), is amended by adding at the end the following new subsection:

(e)

Protection from excessive, unjustified, or unfairly discriminatory rates

(1)

Authority of States

Nothing in this section shall be construed to prohibit a State from imposing requirements (including requirements relating to rate review standards and procedures and information reporting) on health insurance issuers with respect to rates that are in addition to the requirements of this section and are more protective of consumers than such requirements.

(2)

Consultation in rate review process

In carrying out this section, the Secretary shall consult with the National Association of Insurance Commissioners and consumer groups.

(3)

Determination of who conducts reviews for each State

The Secretary shall determine, after the date of enactment of this section and periodically thereafter, the following:

(A)

In which States the State insurance commissioner or relevant State regulator shall undertake the corrective actions under paragraph (4), as a condition of the State receiving the grant in subsection (c), based on the Secretary’s determination that the State is adequately prepared to undertake and is adequately undertaking such actions.

(B)

In which States the Secretary shall undertake the corrective actions under paragraph (4), in cooperation with the relevant State insurance commissioner or State regulator, based on the Secretary’s determination that the State is not adequately prepared to undertake or is not adequately undertaking such actions.

(4)

Corrective action for excessive, unjustified, or unfairly discriminatory rates

In accordance with the process established under this section, the Secretary or the relevant State insurance commissioner or State regulator shall take corrective actions to ensure that any excessive, unjustified, or unfairly discriminatory rates are corrected prior to implementation, or as soon as possible thereafter, through mechanisms such as—

(A)

denying rates;

(B)

modifying rates; or

(C)

requiring rebates to consumers.

.

(b)

Clarification of Regulatory Authority

Such section is further amended—

(1)

in subsection (a)—

(A)

in the heading, by striking premium and inserting rate;

(B)

in paragraph (1), by striking unreasonable increases in premiums and inserting potentially excessive, unjustified, or unfairly discriminatory rates, including premiums,; and

(C)

in paragraph (2)—

(i)

by striking an unreasonable premium increase and inserting a potentially excessive, unjustified, or unfairly discriminatory rate;

(ii)

by striking the increase and inserting the rate; and

(iii)

by striking such increases and inserting such rates;

(2)

in subsection (b)—

(A)

by striking premium increases each place it appears and inserting rates; and

(B)

in paragraph (2)(B), by striking premium and inserting rate; and

(3)

in subsection (c)(1)—

(A)

in the heading, by striking Premium and inserting Rate;

(B)

by inserting that satisfy the condition under subsection (e)(3)(A) after award grants to States; and

(C)

in subparagraph (A), by striking premium increases and inserting rates.

(c)

Conforming amendment

Title XXVII of the Public Health Service Act (42 U.S.C. 300gg et seq.) is amended—

(1)

in section 2723 (42 U.S.C. 300gg–22), as redesignated by the Patient Protection and Affordable Care Act—

(A)

in subsection (a)—

(i)

in paragraph (1), by inserting and section 2794 after this part; and

(ii)

in paragraph (2), by inserting or section 2794 after this part; and

(B)

in subsection (b)—

(i)

in paragraph (1), by inserting and section 2794 after this part; and

(ii)

in paragraph (2)—

(I)

in subparagraph (A), by inserting or section 2794 that is after this part; and

(II)

in subparagraph (C)(ii), by inserting or section 2794 after this part; and

(2)

in section 2761 (42 U.S.C. 300gg–61)—

(A)

in subsection (a)—

(i)

in paragraph (1), by inserting and section 2794 after this part; and

(ii)

in paragraph (2)—

(I)

by inserting or section 2794 after set forth in this part; and

(II)

by inserting and section 2794 after the requirements of this part; and

(B)

in subsection (b)—

(i)

by inserting and section 2794 after this part; and

(ii)

by inserting and section 2794 after part A.

(d)

Applicability to grandfathered plans

Section 1251(a)(4)(A) of the Patient Protection and Affordable Care Act (Public Law 111–148), as added by section 2301 of the Health Care and Education Reconciliation Act of 2010 (Public Law 111–152), is amended by adding at the end the following:

(v)

Section 2794 (relating to reasonableness of rates with respect to health insurance coverage).

.

(e)

Effective date

The amendments made by this section shall take effect on the date of enactment of this Act.