[Congressional Bills 118th Congress]
[From the U.S. Government Publishing Office]
[H.R. 9572 Introduced in House (IH)]

<DOC>






118th CONGRESS
  2d Session
                                H. R. 9572

  To amend title XXVII of the Public Health Service Act, the Employee 
 Retirement Income Security Act of 1974, and the Internal Revenue Code 
    of 1986 to increase penalties for group health plans and health 
     insurance issuers for practices that violate balance billing 
                 requirements, and for other purposes.


_______________________________________________________________________


                    IN THE HOUSE OF REPRESENTATIVES

                           September 12, 2024

   Mr. Murphy (for himself, Mr. Ruiz, Mr. Joyce of Pennsylvania, Ms. 
  Schrier, and Mr. Panetta) introduced the following bill; which was 
 referred to the Committee on Energy and Commerce, and in addition to 
the Committees on Ways and Means, and Education and the Workforce, for 
a period to be subsequently determined by the Speaker, in each case for 
consideration of such provisions as fall within the jurisdiction of the 
                          committee concerned

_______________________________________________________________________

                                 A BILL


 
  To amend title XXVII of the Public Health Service Act, the Employee 
 Retirement Income Security Act of 1974, and the Internal Revenue Code 
    of 1986 to increase penalties for group health plans and health 
     insurance issuers for practices that violate balance billing 
                 requirements, and for other purposes.

    Be it enacted by the Senate and House of Representatives of the 
United States of America in Congress assembled,

SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Enhanced Enforcement of Health 
Coverage Act''.

SEC. 2. INCREASING PENALTIES FOR GROUP HEALTH PLANS AND HEALTH 
              INSURANCE ISSUERS FOR PRACTICES THAT VIOLATE BALANCE 
              BILLING REQUIREMENTS.

    (a) PHSA.--Section 2723(b)(2)(C) of the Public Health Service Act 
(42 U.S.C. 300gg-22(b)(2)(C)) is amended--
            (1) in clause (i), by inserting ``(or, in the case of such 
        a failure with respect to a provision specified in clause (iv), 
        $10,000 per failure)'' after ``$100''; and
            (2) by adding at the end the following new clause:
                            ``(iv) Provisions specified.--For purposes 
                        of clause (i), the provisions specified in this 
                        clause are the following:
                                    ``(I) Subparagraphs (A) and (B) of 
                                section 2799A-1(a)(1).
                                    ``(II) Clauses (i), (ii), (iii), 
                                and (v) of section 2799A-1(a)(1)(C).
                                    ``(III) Subparagraphs (A), (B), and 
                                (E) of section 2799A-1(b)(1).
                                    ``(IV) Paragraphs (1) and (2) of 
                                section 2799A-2(a).''.
    (b) ERISA.--Section 502 of the Employee Retirement Income Security 
Act of 1974 (29 U.S.C. 1131) is amended--
            (1) in subsection (a)(6), by striking ``or (9)'' and 
        inserting ``(9), or (12)'';
            (2) in subsection (b)(3)--
                    (A) by inserting ``, (c)(12),'' after ``subsections 
                (c)(9)''; and
                    (B) by inserting ``or (c)(12)'' after ``under 
                subsection (c)(9)''; and
            (3) in subsection (c), by adding at the end the following 
        new paragraph:
    ``(12) The Secretary may assess a civil penalty against any group 
health plan or health insurance issuer offering group health insurance 
coverage of not more than $10,000 for each violation for each 
individual with respect to which such plan or coverage fails to comply 
with one of the following provisions:
            ``(A) Subparagraphs (A) and (B) of section 716(a)(1).
            ``(B) Clauses (i), (ii), (iii), and (v) of section 
        716(a)(1)(C).
            ``(C) Subparagraphs (A), (B), and (E) of section 716(b)(1).
            ``(D) Paragraphs (1) and (2) of section 717(a).''.
    (c) IRC.--Section 4980D(b) of the Internal Revenue Code of 1986 is 
amended--
            (1) in paragraph (1), by inserting ``(or, in the case of 
        such a failure with respect to a provision specified in 
        paragraph (4), $10,000 per failure)'' after ``$100''; and
            (2) by adding at the end the following new paragraph:
            ``(4) Provisions specified.--For purposes of paragraph (1), 
        the provisions specified in this paragraph are the following:
                    ``(A) Subparagraphs (A) and (B) of section 
                9816(a)(1).
                    ``(B) Clauses (i), (ii), (iii), and (v) of section 
                9816(a)(1)(C).
                    ``(C) Subparagraphs (A), (B), and (E) of section 
                9816(b)(1).
                    ``(D) Paragraphs (1) and (2) of section 9817(a).''.

SEC. 3. ADDITIONAL PENALTIES FOR LATE PAYMENT OR NON-PAYMENT AFTER IDR 
              ENTITY PAYMENT DETERMINATION.

    (a) PHSA.--
            (1) Emergency and nonemergency services.--Section 2799A-
        1(c)(6) of the Public Health Service Act (42 U.S.C. 300gg-
        111(c)(6)) is amended--
                    (A) in the paragraph heading, by inserting ``; 
                penalty for late payment or non-payment'' after 
                ``payment'';
                    (B) by striking ``The total plan'' and inserting 
                the following:
                    ``(A) Timing of payment.--The total plan''; and
                    (C) by adding at the end the following new 
                subparagraphs:
                    ``(B) Notification.--In the case of a plan or 
                coverage required to make a payment pursuant to a 
                determination described in subparagraph (A), such plan 
                or coverage shall submit to the Secretary a 
                notification of such payment as of the date such 
                payment is made in a manner specified by the Secretary.
                    ``(C) Penalty for late payment or non-payment.--
                            ``(i) In general.--In the case of a plan or 
                        coverage that has not made the required payment 
                        described in subparagraph (A) with respect to 
                        an item or service in the time period described 
                        in such subparagraph, in addition to making 
                        such payment, such plan or coverage shall also 
                        pay to the nonparticipating provider or 
                        facility an amount that is three times the 
                        difference between--
                                    ``(I) the initial payment (or, in 
                                the case of a notice of denial of 
                                payment, $0) described in subsection 
                                (a)(1)(C)(iv)(I) or (b)(1)(C), as 
                                applicable; and
                                    ``(II) the out-of-network rate (as 
                                defined in subsection (a)(3)(K)) for 
                                such item or service (less any cost 
                                sharing required to be paid by the 
                                individual receiving such item or 
                                service).
                            ``(ii) Interest.--Such late payment or non-
                        payment (as applicable) shall also be subject 
                        to interest in a manner specified by the 
                        Secretary.''.
            (2) Air ambulance services.--Section 2799A-2(b)(6) of the 
        Public Health Service Act (42 U.S.C. 300gg-112(b)(6)) is 
        amended--
                    (A) in the paragraph heading, by inserting ``; 
                penalty for late payment or non-payment'' after 
                ``payment'';
                    (B) by striking ``The total plan'' and inserting 
                the following:
                    ``(A) Timing of payment.--The total plan''; and
                    (C) by adding at the end the following new 
                subparagraphs:
                    ``(B) Notification.--In the case of a plan or 
                coverage required to make a payment pursuant to a 
                determination described in subparagraph (A), such plan 
                or coverage shall submit to the Secretary a 
                notification of such payment as of the date such 
                payment is made in a manner specified by the Secretary.
                    ``(C) Penalty for late payment or non-payment.--
                            ``(i) In general.--In the case of a plan or 
                        coverage that has not made the required payment 
                        described in subparagraph (A) with respect to 
                        an item or service in the time period described 
                        in such subparagraph, in addition to making 
                        such payment, such plan or coverage shall also 
                        pay to the nonparticipating provider an amount 
                        that is three times the difference between--
                                    ``(I) the initial payment (or, in 
                                the case of a notice of denial of 
                                payment, $0) described in subsection 
                                (a)(3)(A); and
                                    ``(II) the out-of-network rate (as 
                                defined in section 2799-1(a)(3)(K)) for 
                                such item or service (less any cost 
                                sharing required to be paid by the 
                                individual receiving such item or 
                                service).
                            ``(ii) Interest.--Such late payment or non-
                        payment (as applicable) shall also be subject 
                        to interest in a manner specified by the 
                        Secretary.''.
    (b) ERISA.--
            (1) Emergency and nonemergency services.--Section 716(c)(6) 
        of the Employee Retirement Income Security Act of 1974 (29 
        U.S.C. 1185e(c)(6)) is amended--
                    (A) in the paragraph heading, by inserting ``; 
                penalty for late payment or non-payment'' after 
                ``payment'';
                    (B) by striking ``The total plan'' and inserting 
                the following:
                    ``(A) Timing of payment.--The total plan''; and
                    (C) by adding at the end the following new 
                subparagraphs:
                    ``(B) Notification.--In the case of a plan or 
                coverage required to make a payment pursuant to a 
                determination described in subparagraph (A), such plan 
                or coverage shall submit to the Secretary a 
                notification of such payment as of the date such 
                payment is made in a manner specified by the Secretary.
                    ``(C) Penalty for late payment or non-payment.--
                            ``(i) In general.--In the case of a plan or 
                        coverage that has not made the required payment 
                        described in subparagraph (A) with respect to 
                        an item or service in the time period described 
                        in such subparagraph, in addition to making 
                        such payment, such plan or coverage shall also 
                        pay to the nonparticipating provider or 
                        facility an amount that is three times the 
                        difference between--
                                    ``(I) the initial payment (or, in 
                                the case of a notice of denial of 
                                payment, $0) described in subsection 
                                (a)(1)(C)(iv)(I) or (b)(1)(C), as 
                                applicable; and
                                    ``(II) the out-of-network rate (as 
                                defined in subsection (a)(3)(K)) for 
                                such item or service (less any cost 
                                sharing required to be paid by the 
                                individual receiving such item or 
                                service).
                            ``(ii) Interest.--Such late payment or non-
                        payment (as applicable) shall also be subject 
                        to interest in a manner specified by the 
                        Secretary.''.
            (2) Air ambulance services.--Section 717(b)(6) of the 
        Employee Retirement Income Security Act of 1974 (29 U.S.C. 
        1185f(b)(6)) is amended--
                    (A) in the paragraph heading, by inserting ``; 
                penalty for late payment or non-payment'' after 
                ``payment'';
                    (B) by striking ``The total plan'' and inserting 
                the following:
                    ``(A) Timing of payment.--The total plan''; and
                    (C) by adding at the end the following new 
                subparagraphs:
                    ``(B) Notification.--In the case of a plan or 
                coverage required to make a payment pursuant to a 
                determination described in subparagraph (A), such plan 
                or coverage shall submit to the Secretary a 
                notification of such payment as of the date such 
                payment is made in a manner specified by the Secretary.
                    ``(C) Penalty for late payment or non-payment.--
                            ``(i) In general.--In the case of a plan or 
                        coverage that has not made the required payment 
                        described in subparagraph (A) with respect to 
                        an item or service in the time period described 
                        in such subparagraph, in addition to making 
                        such payment, such plan or coverage shall also 
                        pay to the nonparticipating provider an amount 
                        that is three times the difference between--
                                    ``(I) the initial payment (or, in 
                                the case of a notice of denial of 
                                payment, $0) described in subsection 
                                (a)(3)(A); and
                                    ``(II) the out-of-network rate (as 
                                defined in section 716(a)(3)(K)) for 
                                such item or service (less any cost 
                                sharing required to be paid by the 
                                individual receiving such item or 
                                service).
                            ``(ii) Interest.--Such late payment or non-
                        payment (as applicable) shall also be subject 
                        to interest in a manner specified by the 
                        Secretary.''.
    (c) IRC.--
            (1) Emergency and nonemergency services.--Section 
        9816(c)(6) of the Internal Revenue Code of 1986 is amended--
                    (A) in the paragraph heading, by inserting ``; 
                penalty for late payment or non-payment'' after 
                ``payment'';
                    (B) by striking ``The total plan'' and inserting 
                the following:
                    ``(A) Timing of payment.--The total plan''; and
                    (C) by adding at the end the following new 
                subparagraphs:
                    ``(B) Notification.--In the case of a plan required 
                to make a payment pursuant to a determination described 
                in subparagraph (A), such plan shall submit to the 
                Secretary a notification of such payment as of the date 
                such payment is made in a manner specified by the 
                Secretary.
                    ``(C) Penalty for late payment or non-payment.--
                            ``(i) In general.--In the case of a plan 
                        that has not made the required payment 
                        described in subparagraph (A) with respect to 
                        an item or service in the time period described 
                        in such subparagraph, in addition to making 
                        such payment, such plan shall also pay to the 
                        nonparticipating provider or facility an amount 
                        that is three times the difference between--
                                    ``(I) the initial payment (or, in 
                                the case of a notice of denial of 
                                payment, $0) described in subsection 
                                (a)(1)(C)(iv)(I) or (b)(1)(C), as 
                                applicable; and
                                    ``(II) the out-of-network rate (as 
                                defined in subsection (a)(3)(K)) for 
                                such item or service (less any cost 
                                sharing required to be paid by the 
                                individual receiving such item or 
                                service).
                            ``(ii) Interest.--Such late payment or non-
                        payment (as applicable) shall also be subject 
                        to interest in a manner specified by the 
                        Secretary.''.
            (2) Air ambulance services.--Section 9817(b)(6) of the 
        Internal Revenue Code of 1986 is amended--
                    (A) in the paragraph heading, by inserting ``; 
                penalty for late payment or non-payment'' after 
                ``payment'';
                    (B) by striking ``The total plan'' and inserting 
                the following:
                    ``(A) Timing of payment.--The total plan''; and
                    (C) by adding at the end the following new 
                subparagraphs:
                    ``(B) Notification.--In the case of a plan required 
                to make a payment pursuant to a determination described 
                in subparagraph (A), such plan shall submit to the 
                Secretary a notification of such payment as of the date 
                such payment is made in a manner specified by the 
                Secretary.
                    ``(C) Penalty for late payment or non-payment.--
                            ``(i) In general.--In the case of a plan 
                        that has not made the required payment 
                        described in subparagraph (A) with respect to 
                        an item or service in the time period described 
                        in such subparagraph, in addition to making 
                        such payment, such plan shall also pay to the 
                        nonparticipating provider an amount that is 
                        three times the difference between--
                                    ``(I) the initial payment (or, in 
                                the case of a notice of denial of 
                                payment, $0) described in subsection 
                                (a)(3)(A); and