United States Code
42 U.S.C. § 300gg
Fair health insurance premiums
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- HR 9599 To strengthen the 340B drug discount program. Amends · introduced · 119th Congress
- HR 9257 Primary and Behavioral Health Care Access Act of 2026 Amends · introduced · 119th Congress
- HR 8840 Fair Care Act of 2026 Amends 300gg(a)(1)(A)(iii) · introduced · 119th Congress
- HR 8442 Patient Refunds for Bad Denials Act of 2026 Amends · introduced · 119th Congress
- HR 7148 Consolidated Appropriations Act, 2026 Amends · enacted · 119th Congress
- HR 6703 Lower Health Care Premiums for All Americans Act Amends · introduced · 119th Congress
- S 3434 Health Coverage Across State Lines Act Amends · introduced · 119th Congress
- HR 6545 Anesthesia for All Act Amends · introduced · 119th Congress
- HR 6512 Putting Patients First Healthcare Freedom Act Amends 300gg(a)(1)(A)(iii) · introduced · 119th Congress
- HR 6166 Lowering Drug Costs for American Families Act Amends · introduced · 119th Congress
- HR 4317 PBM Reform Act of 2025 Amends · introduced · 119th Congress
- HR 3911 Choose Medicare Act Amends 300gg(a) · introduced · 119th Congress
- S 2032 Choose Medicare Act Amends 300gg(a) · introduced · 119th Congress
- HR 3103 Health Share Transparency Act of 2025 Amends · introduced · 119th Congress
- HR 2450 Prescription Drug Transparency and Affordability Act Amends · introduced · 119th Congress
- S 891 Bipartisan Health Care Act Amends · introduced · 119th Congress
- HR 1776 New Health Options Act of 2025 Amends 300gg(a)(1)(A)(iii) · introduced · 119th Congress
- HR 1768 Lower Costs for Everyday Americans Act Amends · introduced · 119th Congress
- HR 3134 Emergency Access to Insulin Act of 2023 Amends · introduced · 118th Congress
- HR 4846 Better Deals and Lower Prices Act Amends · introduced · 118th Congress
- HR 3561 PATIENT Act of 2023 Amends · introduced · 118th Congress
- HR 2679 Pharmacy Benefits Manager Accountability Act Amends · introduced · 118th Congress
- HR 8207 Choose Medicare Act Amends 300gg(a) · introduced · 118th Congress
- HR 5378 Lower Costs, More Transparency Act Amends · introduced · 118th Congress
- HR 6302 Health Share Transparency Act of 2023 Amends · introduced · 118th Congress
- HR 4822 Health Care Price Transparency Act of 2023 Amends · introduced · 118th Congress
- S 1339 Pharmacy Benefit Manager Reform Act Amends · introduced · 118th Congress
- S 1497 Emergency Access to Insulin Act of 2023 Amends · introduced · 118th Congress
- S 1269 INSULIN Act of 2023 Amends · introduced · 118th Congress
- HR 77 To amend the Public Health Service Act to provide for cooperative governing of individual health insurance coverage. Amends · introduced · 118th Congress
- HR 8588 Fair Care Act of 2022 Amends 300gg(a)(1)(A)(iii) · introduced · 117th Congress
- HR 6099 Recognizing the Unborn Act of 2021 Amends · introduced · 117th Congress
- S 4905 Primary and Behavioral Health Care Access Act of 2022 Amends · introduced · 117th Congress
- HR 8324 Health Share Transparency Act of 2022 Amends · introduced · 117th Congress
- HR 7666 Restoring Hope for Mental Health and Well-Being Act of 2022 Amends · introduced · 117th Congress
- HR 6508 Family Plus Health Care Act of 2022 Amends · introduced · 117th Congress
- HR 4450 Access to Infertility Treatment and Care Act Amends · introduced · 117th Congress
- HR 5011 Choose Medicare Act Amends 300gg(a) · introduced · 117th Congress
- HR 4813 Matt’s Act Amends · introduced · 117th Congress
- S 2352 Access to Infertility Treatment and Care Act Amends · introduced · 117th Congress
- HR 3550 Primary and Behavioral Health Care Access Act of 2021 Amends · introduced · 117th Congress
- S 1132 EPI Act Amends · introduced · 117th Congress
- S 1180 Choose Medicare Act Amends 300gg(a) · introduced · 117th Congress
- HR 1890 Health Insurance Consumer Protection Act Amends · introduced · 117th Congress
- HR 477 Ally’s Act Amends · introduced · 117th Congress
- HR 526 Ensuring Coverage in Public Health Emergencies Act of 2021 Amends · introduced · 117th Congress
- HR 32 To amend the Public Health Service Act to provide for cooperative governing of individual health insurance coverage. Amends · introduced · 117th Congress
- S 41 Ally's Act Amends · introduced · 117th Congress
- HR 133 Consolidated Appropriations Act, 2021 Amends · enacted · 116th Congress
- HR 5800 Ban Surprise Billing Act Amends · introduced · 116th Congress
Showing the 50 most recently active.
The law today
From the official United States Code, current through Public Law 119-121.
(a) 1 Prohibiting discriminatory premium rates (1) In general With respect to the premium rate charged by a health insurance issuer for health insurance coverage offered in the individual or small group market—
(A) such rate shall vary with respect to the particular plan or coverage involved only by—
(i) whether such plan or coverage covers an individual or family;
(ii) rating area, as established in accordance with paragraph (2);
(iii) age, except that such rate shall not vary by more than 3 to 1 for adults (consistent with section 300gg–6(c) of this title); and
(iv) tobacco use, except that such rate shall not vary by more than 1.5 to 1; and
(B) such rate shall not vary with respect to the particular plan or coverage involved by any other factor not described in subparagraph (A).
(2) Rating area (A) In general
Each State shall establish 1 or more rating areas within that State for purposes of applying the requirements of this subchapter.
(B) Secretarial review
The Secretary shall review the rating areas established by each State under subparagraph (A) to ensure the adequacy of such areas for purposes of carrying out the requirements of this subchapter. If the Secretary determines a State’s rating areas are not adequate, or that a State does not establish such areas, the Secretary may establish rating areas for that State.
(3) Permissible age bands
The Secretary, in consultation with the National Association of Insurance Commissioners, shall define the permissible age bands for rating purposes under paragraph (1)(A)(iii).
(4) Application of variations based on age or tobacco use
With respect to family coverage under a group health plan or health insurance coverage, the rating variations permitted under clauses (iii) and (iv) of paragraph (1)(A) shall be applied based on the portion of the premium that is attributable to each family member covered under the plan or coverage.
(5) Special rule for large group market
If a State permits health insurance issuers that offer coverage in the large group market in the State to offer such coverage through the State Exchange (as provided for under section 18032(f)(2)(B) of this title), the provisions of this subsection shall apply to all coverage offered in such market (other than self-insured group health plans offered in such market) in the State.
Official text at uscode.house.gov ↗