The Kansas Short-Term Limited Duration Insurance Act establishes a framework for short-term health insurance plans, defining key terms and outlining requirements for coverage, disclosure, and underwriting. The act specifies that a "short-term insurance plan" can have a term of up to 364 days, may be renewed for a maximum of 36 months, and must include coverage for essential services such as ambulatory patient services, hospitalization, emergency services, and laboratory services. Insurers are required to disclose to applicants that these plans do not cover all essential health benefits mandated by the federal Patient Protection and Affordable Care Act (PPACA) and must obtain the applicant's signature acknowledging this information.

Additionally, the act amends existing law by redefining "short-term insurance plan" and repealing the previous section K.S.A. 40-2,193. The new language clarifies that short-term policies are not subject to certain provisions of the health insurance portability and accountability act and exempts them from medical loss ratio calculations unless specified. The commissioner of insurance is authorized to adopt rules and regulations to implement the act, ensuring that short-term insurance plans meet necessary standards for network adequacy and consumer protection.

Statutes affected:
As introduced: 40-2