Bill H.95, introduced by Representative Black of Essex, seeks to overhaul Vermont's health insurance statutes by repealing the existing chapter and enacting a new, restructured chapter within 8 V.S.A. chapter 107. The bill establishes clear definitions for key terms such as "covered individual," "health care services," and "health insurance plan," while mandating compliance with federal laws like the Health Insurance Portability and Accountability Act and the Patient Protection and Affordable Care Act. It also addresses advertising practices, prohibits unfair discrimination in premium rates, and introduces penalties for violations. The bill aims to create a more coherent and enforceable framework for health insurance, enhancing clarity and compliance for both insurers and consumers.

Additionally, the bill introduces several amendments to existing regulations, focusing on the rights and protections of insured individuals, including provisions for the cancellation of policies, coverage for preexisting conditions, and the prohibition of discretionary clauses in health insurance. It mandates that health insurance plans provide comprehensive coverage for various medical services, including reproductive health, mental health, and cancer treatments, while ensuring equitable access and affordability. The bill also emphasizes transparency in the rate review process and establishes guidelines for the filing and approval of health insurance policy forms and premiums. Overall, H.95 aims to enhance consumer protections, improve access to essential health services, and ensure that health insurance policies adhere to updated standards and regulations.

Statutes affected:
As Introduced: 8-107, 1-317(c), 1-317, 8-4512(b), 8-4512, 8-4515a, 8-4516, 8-4587, 8-4588, 8-4724(7)(E), 8-4724, 8-4724(7), 8-5104(a), 8-5104, 8-5115, 8-8083, 8-8094(e), 8-8094, 18-701, 18-706, 18-4750, 18-9361(a), 18-9361, 18-9362(a), 18-9362, 18-9375(b), 18-9375, 18-9377(g)(1), 18-9377, 18-9377(g), 18-9381(d), 18-9381, 18-9404(d), 18-9404, 18-9414a(a), 18-9414a, 18-9462, 18-9573(a), 18-9573, 32-1407(b), 32-1407, 32-10401, 33-1813(a)(2), 33-1813, 33-1813(a), 33-1814, 33-4110(a)(6), 33-4110, 33-4110(a)