H.R.383: Continuing Coverage for Preexisting Conditions Act of 2019
The Continuing Coverage for Preexisting Conditions Act would amend the Patient Protection and Affordable Care Act (ACA) to ensure the future of preexisting condition protections. The bill lays out instructions for maintaining existing provisions that require coverage for people with preexisting conditions, even if the individual mandate is otherwise invalidated or unenforceable. H.R. 383 would sustain the preexisting conditions protections if the rest of the ACA is dismantled.
ACA provisions to remain in effect under H.R. 383:
1. Group plan premiums are set based on age range rather than health status (with exception for tobacco use)
2. Individual plan premiums can only be affected by location, age, plan and/or tobacco use
3. Community ratings – prevents health insurance providers from varying premiums within a geographical area (can’t use age, gender, health status or other factors)
4. Group AND individual health plan providers may not impose pre-existing condition exclusions