Assembly Bill 184 aims to establish specific requirements for health insurance coverage in Wisconsin, particularly concerning individuals with preexisting conditions and benefit limits, in the event that the federal Affordable Care Act (ACA) is no longer enforceable. The bill mandates that all individual health benefit plans must accept every individual who applies for coverage, regardless of preexisting conditions, and that group health benefit plans must accept every employer that applies. It also stipulates that health plans cannot impose preexisting condition exclusions and cannot set annual or lifetime limits on benefits. Additionally, the bill requires a statewide open enrollment period of 45 days and special enrollment periods for qualifying events.

The bill includes several amendments to existing statutes, specifically adding the new section 632.728, which outlines the coverage requirements for individuals with preexisting conditions and the limitations on premium rate variations. It also amends sections 40.51, 66.0137, 120.13, and 185.983 to incorporate the new provisions. The proposed legislation emphasizes that if the ACA's provisions are no longer applicable, the new state regulations will take precedence, ensuring that individuals and groups have access to necessary health coverage without discrimination based on health status.

Statutes affected:
Bill Text: 40.51(8), 40.51, 40.51(8m), 66.0137(4), 66.0137, 120.13(2)(g), 120.13, 185.983(1)(intro.), 185.983