West Virginia 2022 Regular Session Status: Enacted 1 R cosponsors

SB 568 — Relating to health insurance loss ratio information

Last action — Chapter 158, Acts, Regular Session, 2022

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  1. ✓
    Introduced
  2. ✓
    In Committee
  3. ✓
    Passed Senate
  4. ✓
    Passed House of Delegates
  5. ✓
    To Executive
  6. 6
    Enacted

This bill has been enacted into law. Introduced February 02, 2022. Enacted.

Prognosis

Likely to advance 72% · moderate confidence

Where this bill stands today.

Odds of enactment

High

How often bills like it became law.

  • Enacted

    Current position in the legislative process.

  • 1 sponsor

    1 primary, 0 co-sponsors signed on.

  • Single-party support

    Sponsorship is currently within one party (1 R).

  • Cleared a recorded vote

    Passed 1 recorded vote so far.

Prognosis reads this bill's own signals — stage, sponsorship breadth, committee status, recorded votes and cross-state momentum. Odds come from a model trained on which bills have become law.

Bill Text

What changed in the latest version

11 added · 48 removed

Plain-language change summary

The amendment to Bill SB 568 clarifies that "medical claims" only refer to health care services and explicitly exclude dental and vision coverage. This change is important because it helps define what costs qualify for coverage under the bill, ensuring that the focus remains on medical services, which may impact how benefits are administered and what individuals can expect from their insurance. By making this distinction, it aims to prevent confusion regarding what types of health coverage are included, potentially impacting policyholders' understanding of their benefits.

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SB568 H JUD AM #1 Holtzapfel 3382 The Committee on the Judiciary moved to amend the bill by striking everything after the enacting clause and inserting in lieu thereof the following:
SB568 HFA Westfall 3-10 #1 Holtzapfel 3382   Delegates Westfall and Storch moved to amend the bill on page 1, section §33-16-3c, line 5, and on page 2, section §33-25-10a, line 5 by inserting after the word “premiums”:
ARTICLE 16.
Medical claims do not include dental only or vision only coverage.
GROUP ACCIDENT AND SICKNESS INSURANCE.
And;
§33-16-3c.
On page 2, section §33-25A-7b, line 6, by inserting after the word “premiums”:
Loss ratio.
“:
If an insurer considers a loss ratio at the time of renewal of a policy, the insurer shall, upon request of an insured, provide the loss ratio and the components of the loss ratio calculation to the insured no more than 90 days but no less than 60 days before the renewal date of the policy.
Provided, However, that medical claims do not include dental only or vision only coverage.”     Adopted Rejected
For purposes of this section, “loss ratio” means the total losses paid out in medical claims divided by the total earned premiums.
ARTICLE 24.
HOSPITAL SERVICE CORPORATIONS, MEDICAL SERVICE CORPORATIONS, DENTAL SERVICE CORPORATIONS, AND HEALTH SERVICE CORPORATIONS.
§33-24-6a.
Loss ratio.
If a corporation utilizes a group’s loss ratio as a rating factor at the time of renewal of a policy, plan, or contract, the corporation shall, upon request of an insured or subscriber, provide the loss ratio and the components of the loss ratio calculation to the insured or subscriber no more than 90 days but no less than 60 days before the renewal date of the policy, plan, or contract.  For purposes of this section, “loss ratio” means the total losses paid out in medical claims divided by the total earned premiums:
Provided, That that the requirements of this section do not apply to a dental service corporation as that term is defined in this article.
ARTICLE 25.
HEALTH CARE CORPORATIONS.
§33-25-10a.
Loss ratio.
If a corporation considers a loss ratio at the time of renewal of a policy, plan, or contract, the corporation shall, upon request of a subscriber, provide the loss ratio and the components of the loss ratio calculation to the subscriber no more than 90 days but no less than 60 days before the renewal date of the policy, plan, or contract.
For purposes of this section, “loss ratio” means the total losses paid out in medical claims divided by the total earned premiums.
ARTICLE 25A.
HEALTH MAINTENANCE ORGANIZATION ACT.
§33-25A-7b.
Loss ratio.
If a health maintenance organization considers a loss ratio at the time of renewal of a policy, plan, or contract, the health maintenance organization shall, upon request of a subscriber, provide the loss ratio and the components of the loss ratio calculation to the subscriber no more than 90 days but no less than 60 days before the renewal date of the policy, plan, or contract.
For purposes of this section, “loss ratio” means the total losses paid out in medical claims divided by the total earned premiums.
For purposes of this section, “subscriber” does not include a subscriber or beneficiary of any policy, plan, or contract approved by the Bureau of Medical Services of the Department of Health and Human Resources and entered into by a health maintenance organization with Medicaid or the Children's Health Insurance Program.
      Adopted Rejected
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Action History

  1. Chapter 158, Acts, Regular Session, 2022

  2. Approved by Governor 3/28/22

  3. To Governor 3/17/2022

  4. Approved by Governor 3/28/22 - Senate Journal

  5. Approved by Governor 3/28/22 - House Journal

  6. To Governor 3/17/22 - House Journal

  7. To Governor 3/17/2022 - Senate Journal

  8. Completed legislative action

  9. Communicated to House

  10. Senate concurred in House amendments and passed bill (Roll No. 536)

  11. House Message received

  12. Communicated to Senate

  13. Passed House (Roll No. 633)

  14. Read 3rd time

  15. Committee amendment adopted (Voice vote)

  16. Amendment to committee amendment adopted (voice)

  17. Amendment reported by the Clerk

  18. On 3rd reading with right to amend, Special Calendar

  19. Amendment pending

  20. Read 2nd time

  21. On 2nd reading, Special Calendar

  22. Placed on Special Calender

  23. On 2nd reading, House Calendar

  24. Placed on House Calendar

  25. On 2nd reading, Special Calendar

  26. Read 1st time

  27. On 1st reading, Special Calendar

  28. With amendment, do pass

  29. To House Judiciary

  30. To Judiciary

  31. Introduced in House

  32. Ordered to House

  33. Passed Senate (Roll No. 169)

  34. Read 3rd time

  35. On 3rd reading

  36. Read 2nd time

  37. On 2nd reading

  38. Read 1st time

  39. On 1st reading

  40. Committee substitute reported

  41. To Banking and Insurance

  42. Introduced in Senate

  43. To Banking and Insurance

  44. Filed for introduction

Sponsors

Sponsorship breakdown

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1 sponsors · 0 co-sponsors · 151 not signed on

Sponsors (1)

Co-sponsors (0)

None.

Not signed on (151)

151 members have not signed on to this bill.

Show all 151 →

"Not signed on" means a member has not sponsored or co-sponsored this bill — it does not imply opposition. Members flagged Voted No have a recorded No vote on this bill.

Whip count is in markup. Polling the chamber and every recorded vote this session. Only the first open is slow. It’s instant for you after this. Calling the roll · Tallying · Engrossing

Votes

Passage

Passed 33 Yea · 0 Nay · 1 Other
Party YeaNayPresentNot Voting
Republican 10000
Unaffiliated 22001
Democrat 1000
Total 33001
% of votes cast 97%0%0%3%
How each member voted (34)
Member Party Vote
LINDSAY — Yea
STOLLINGS — Yea
BALDWIN — Not Voting
MARONEY — Yea
STOVER — Yea
BEACH — Yea
MARTIN — Yea
SWOPE — Yea
BOLEY — Yea
MAYNARD — Yea
SYPOLT — Yea
BROWN — Yea
NELSON — Yea
CAPUTO — Yea
PHILLIPS — Yea
PLYMALE — Yea
TRUMP — Yea
GEFFERT — Yea
ROMANO — Yea
JEFFRIES — Yea
SMITH — Yea
MR PRESIDENT — Yea
KARNES — Yea
Mike Woelfel Democrat Yea
Amy Grady Republican Yea
Bill Hamilton Republican Yea
Charles H. Clements Republican Yea
Eric Tarr Republican Yea
Jack Woodrum Republican Yea
Mike Azinger Republican Yea
Patricia Rucker Republican Yea
Rollan A. Roberts Republican Yea
Ryan Weld Republican Yea
Tom Takubo Republican Yea

Official roll call →

Subjects

health-insurance
Cross-referencing the record. Reading this bill against every other bill in the corpus by meaning, not keywords. Only the first open is slow. It’s instant for you after this. Matching · Ranking · Engrossing

Frequently asked questions

Who sponsors SB 568?
SB 568 is sponsored by Rollan A. Roberts (Republican).
What is the current status of SB 568?
This bill has been enacted into law. Introduced February 02, 2022. Enacted.
Where can I track SB 568?
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