LD 1168
pg. 1
LD 1168 Title Page An Act To Reduce Individual Health Insurance Premiums Page 2 of 20
Download Bill Text
LR 790
Item 1

 
Be it enacted by the People of the State of Maine as follows:

 
Sec. 1. 24-A MRSA §2736-C, sub-§2, ¶B, as enacted by PL 1993, c. 477,
Pt. C, §1 and affected by Pt. F, §1, is amended to read:

 
B. A carrier may not vary the premium rate due to the
gender, health status, claims experience or policy duration
of the individual. A carrier may vary the premium rate
based on health status, age and tobacco use only as
permitted in paragraph D.

 
Sec. 2. 24-A MRSA §2736-C, sub-§2, ¶C, as amended by PL 2001, c. 410,
Pt. A, §1 and affected by §10, is further amended to read:

 
C. A carrier may vary the premium rate due to smoking
status and family membership. The superintendent may adopt
rules setting forth appropriate methodologies regarding rate
discounts based on smoking status. Rules adopted pursuant
to this paragraph are routine technical rules as defined in
Title 5, chapter 375, subchapter II-A.

 
Sec. 3. 24-A MRSA §2736-C, sub-§2, ¶D, as amended by PL 2001, c. 410,
Pt. A, §2 and affected by §10, is further amended to read:

 
D. A carrier may vary the premium rate due to age, health
status, occupation or industry and, geographic area only
under the following schedule and within the listed
percentage bands and tobacco use in accordance with the
following limitations.

 
(1) For all policies, contracts or certificates that
are executed, delivered, issued for delivery, continued
or renewed in this State between December 1, 1993 and
July 14, 1994, the premium rate may not deviate above
or below the community rate filed by the carrier by
more than 50%.

 
(2) For all policies, contracts or certificates that
are executed, delivered, issued for delivery, continued
or renewed in this State between July 15, 1994 and July
14, 1995, the premium rate may not deviate above or
below the community rate filed by the carrier by more
than 33%.

 
(3) For all policies, contracts or certificates that are
executed, delivered, issued for delivery, continued or renewed in
this State after July 15, 1995, the


LD 1168 Title Page Top of Page Page 2 of 20