Pre-existing Conditions Protection Act of 2021

Pre-existing Conditions Protection Act of 2021

This bill reestablishes requirements for private health insurance plans with respect to preexisting conditions, guaranteed enrollment, and discrimination based on health-related factors if they are repealed by another law.

In such event, the bill prohibits private health insurance plans from (1) limiting or excluding benefits covering preexisting conditions; (2) denying enrollment to employers or individual applicants, subject to specified limits; (3) establishing rules for eligibility based on an individual's health status; or (4) requiring an individual to a pay higher premium than similarly situated individuals enrolled in the plan based the individual's health status. The bill also prohibits plans from collecting genetic information in connection with issuing health insurance and provides requirements for workplace wellness programs connected to health insurance.

Bill 117 HR 892, also known as the Pre-existing Conditions Protection Act of 2021, aims to strengthen protections for individuals with pre-existing conditions in the United States. The bill seeks to ensure that individuals with pre-existing conditions cannot be denied coverage or charged higher premiums by insurance companies.

Under the provisions of the bill, insurance companies would be prohibited from denying coverage to individuals with pre-existing conditions, such as diabetes, cancer, or asthma. Additionally, insurance companies would be prohibited from charging higher premiums based on an individual's health status.

The bill also includes provisions to ensure that individuals with pre-existing conditions have access to essential health benefits, such as prescription drugs, maternity care, and mental health services. Furthermore, the bill aims to improve transparency in the health insurance market by requiring insurance companies to clearly disclose information about coverage options and costs. Overall, the Pre-existing Conditions Protection Act of 2021 seeks to provide greater security and peace of mind for individuals with pre-existing conditions, ensuring that they have access to affordable and comprehensive health insurance coverage.