This bill aims to enhance the consistency of the rate approval process for individual and small group market health plans in Washington State. It amends existing laws, specifically RCW 48.18.110 and RCW 48.46.060, to clarify the conditions under which the insurance commissioner can disapprove health benefit plan rate filings. Notably, the bill stipulates that rates for individual and small group market health benefit plans cannot be utilized until 60 days after they are filed with the commissioner. If the commissioner does not disapprove a rate filing within this timeframe, the filing will be deemed approved, ensuring a more streamlined process for insurers.

Additionally, the bill reenacts and amends RCW 48.44.020, which governs health care service contractors, and includes similar provisions regarding the approval of rate filings. The amendments emphasize the need for clarity and transparency in health care agreements, allowing the commissioner to disapprove contracts that contain misleading clauses or unreasonable restrictions. The bill also reinforces consumer protections by ensuring that no health maintenance organization can cancel or refuse to renew enrollment based on age, sex, race, or health status, thereby promoting equitable access to health care services.

Statutes affected:
Original Bill: 48.18.110, 48.46.060