The bill proposes a comprehensive overhaul of Vermont's health insurance regulations by repealing the existing 8 V.S.A. Chapter 107 and introducing a newly organized version that includes clear definitions for key terms such as "covered individual," "health care services," and "health insurance plan." It establishes compliance with federal laws, prohibits unfair discrimination in premium rates, and mandates transparency in advertising practices. The bill also outlines the enforcement authority of the Commissioner of Health and sets penalties for violations, aiming to enhance consumer protection and ensure alignment with state and federal regulations.

Additionally, the bill introduces new regulations for group insurance policies, including prohibitions on undisclosed rebates and inducements, and mandates compliance with specific filing and approval processes for policy forms and premiums. It emphasizes equitable access to health care services, including mental health and substance use disorder treatments, and mandates coverage for various essential health services, such as abortion care and cancer treatments, without imposing additional cost-sharing. The legislation also addresses telemedicine services, ensuring they are covered equivalently to in-person consultations, and includes provisions for the Green Mountain Care Board to oversee these changes. Overall, the bill aims to strengthen consumer protections and improve access to necessary health services across Vermont.

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)
As Passed By the Senate -- Official: 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)
As Passed By the Senate -- Unofficial: 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)
As Passed by Both House and Senate -- Official: 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)
As Passed by Both House and Senate -- Unofficial: 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)
As Enacted: 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)