Health Insurance Freedom Act of 2013 - Amends the Patient Protection and Affordable Care Act (PPACA), with respect to the definition of a qualified health plan, to allow a health insurance issuer to offer coverage that: (1) provides the essential health benefits package required of a qualified health plan other than the minimum benefits required under the essential benefits and level of coverage requirements, and (2) meets federal and state benefit requirements as otherwise applied as of October 1, 2013, in the state in which the coverage is offered.
Makes such coverage ineligible: (1) for the premium assistance income tax credit or PPACA cost-sharing reductions; and (2) to be treated as a bronze, silver, gold, or platinum plan or be taken into account for purposes of determining the applicable second lowest cost silver plan.
Makes this Act's amendments effective as if they were included in the enactment of PPACA.
[Congressional Bills 113th Congress]
[From the U.S. Government Publishing Office]
[H.R. 3450 Introduced in House (IH)]
113th CONGRESS
1st Session
H. R. 3450
To amend the Patient Protection and Affordable Care Act to allow
individuals to opt out of the minimum required health benefits by
permitting health insurance issuers to offer qualified health plans
that offer alternative benefits to the minimum essential health
benefits otherwise required, and for other purposes.
_______________________________________________________________________
IN THE HOUSE OF REPRESENTATIVES
November 12, 2013
Mrs. Ellmers introduced the following bill; which was referred to the
Committee on Energy and Commerce, and in addition to the Committee on
Ways and Means, 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 the Patient Protection and Affordable Care Act to allow
individuals to opt out of the minimum required health benefits by
permitting health insurance issuers to offer qualified health plans
that offer alternative benefits to the minimum essential health
benefits otherwise required, 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 ``Health Insurance Freedom Act of
2013''.
SEC. 2. PERMITTING HEALTH INSURANCE ISSUERS TO OFFER QUALIFIED HEALTH
PLANS WITH ALTERNATIVE HEALTH BENEFITS SO INDIVIDUALS CAN
OPT OUT OF MINIMUM ESSENTIAL HEALTH BENEFITS.
(a) In General.--Section 1301 of the Patient Protection and
Affordable Care Act (42 U.S.C. 18021) is amended--
(1) in subsection (a)(1)(B), by inserting ``subject to
paragraph (3),'' after ``(B)''; and
(2) by adding at the end the following new paragraph:
``(3) Permitting alternative benefits.--
``(A) In general.--Notwithstanding subsection
(a)(1)(B) or any other provision of this Act, a health
insurance issuer may offer, both through an Exchange
and outside of an Exchange, health insurance coverage
that--
``(i) provides the essential health
benefits package described in subsection (a) of
section 1302, other than the minimum benefits
required under subsection (b) of such section
and the level of coverage required under
subsection (c) of such section; and
``(ii) meets such Federal and State benefit
requirements as otherwise applied as of October
1, 2013, in the State in which the coverage is
offered.
``(B) Treatment.--
``(i) In general.--Except as provided in
paragraph (2), health insurance coverage that
is offered under paragraph (1) shall be treated
as a qualified health plan for purposes of this
Act (and the amendments made by this Act),
including constituting minimum essential
coverage for purposes of section 5000A(f)(1) of
the Internal Revenue Code of 1986.
``(ii) Not eligible for subsidies; not
treated as a bronze, silver, gold, or platinum
plan.--Such health insurance coverage shall
not--
``(I) be treated as a qualified
health plan for purposes of applying
section 36B of the Internal Revenue
Code of 1986 and section 1402 of this
Act; and
``(II) be treated as a bronze,
silver, gold, or platinum plan or be
taken into account in applying section
36B(b)(3)(B) of such Code.''.
(b) Effective Date.--The amendments made by subsection (a) shall be
effective as if included in the enactment of the Patient Protection and
Affordable Care Act.
<all>
Introduced in House
Introduced in House
Referred to the Committee on Energy and Commerce, and in addition to the Committee on Ways and Means, 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.
Referred to the Committee on Energy and Commerce, and in addition to the Committee on Ways and Means, 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.
Referred to the Subcommittee on Health.
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