Proposed S.B. No. 815
Session Year 2025

AN ACT CONCERNING CONSUMER PROTECTIONS FOR CERTAIN HEALTH INSURANCE PLANS.

To require that any stop-loss insurance policy used in conjunction with a self-funded employee health benefit plan: (1) Provide coverage for (A) essential health benefits as defined in the Patient Protection and Affordable Care Act, and regulations adopted thereunder, and (B) the group state-mandated coverage requirements under chapter 700c of the general statutes; or (2) have (A) a minimum individual attachment point of not less than seventy-five thousand dollars, and (B) an aggregate attachment point of not less than two hundred fifty thousand dollars.

Other Bills with Similar Topics

  Consumer protection 

 

• HB05164 - AN ACT REQUIRING BUSINESS ENTITIES TO PROVIDE ITEMIZED RECEIPTS TO CERTAIN CONSUMERS.
• HB05168 - AN ACT REQUIRING RETAILERS TO DISCLOSE HEALTH RISKS POSED BY CONTACT LENSES.
• HB05175 - AN ACT CONCERNING PRESCRIPTION DRUG COSTS.
• HB05199 - AN ACT CONCERNING THE TERMINATION OF INPATIENT OR OUTPATIENT SERVICES OFFERED BY A HOSPITAL.
• HB05280 - AN ACT CONCERNING CONSUMER PROTECTIONS FOR LONG-TERM CARE INSURANCE.
• HB05429 - AN ACT CONCERNING CAREGIVERS, QUALIFYING PATIENTS AND THE PALLIATIVE USE OF CANNABIS.
• HB05474 - AN ACT CONCERNING SOCIAL MEDIA PLATFORMS AND MINORS.
• HB05559 - AN ACT CONCERNING SUBSCRIPTION CANCELLATION.
• HB05592 - AN ACT CONCERNING REVISIONS TO THE CONNECTICUT ANTITRUST ACT TO PROTECT AGAINST CORPORATE MERGERS THAT HARM COMPETITION AND CONSUMERS.
• HB05594 - AN ACT CONCERNING ENHANCED PROTECTIONS FOR CONSUMERS UNDER THE UNIFORM COMMERCIAL CODE.
• HB05744 - AN ACT PROHIBITING CERTAIN BUSINESS CONDUCT REGARDING STORAGE OF CONSUMERS' CREDIT CARD AND DEBIT CARD INFORMATION.
• HB05950 - AN ACT CONCERNING THE APPOINTMENT OF A CONSUMER PROTECTION ADVOCATE TO THE PUBLIC UTILITIES REGULATORY AUTHORITY.
• HB06061 - AN ACT REQUIRING STATE AGENCIES, HEALTH CARE PROVIDERS AND FINANCIAL INSTITUTIONS TO PROVIDE CERTAIN DOCUMENTS TO CONSUMERS IN PAPER FORM.
• HB06062 - AN ACT PROHIBITING DIRECT-TO-CONSUMER PRESCRIPTION DRUG ADVERTISEMENTS.
• HB06063 - AN ACT AUTHORIZING BUSINESSES TO CHARGE CONSUMERS FOR THE ACTUAL COST OF CREDIT CARD FEES.
• HB06064 - AN ACT REQUIRING PHARMACISTS TO RESPOND TO QUESTIONS ABOUT PRESCRIPTIONS FROM CONSUMERS WITHIN TWENTY-FOUR HOURS.
• HB06137 - AN ACT REQUIRING HEALTH CARRIERS TO DISCLOSE CERTAIN INFORMATION TO CONSUMERS.
• HB06146 - AN ACT REGULATING ACCESSIBILITY AND COSTS OF HEALTH CARE IN THIS STATE.
• HB06874 - AN ACT ESTABLISHING PROTECTIONS FOR VETERANS FROM BENEFITS CLAIM SHARKS.
• HB07162 - AN ACT REFORMING THE MOTOR VEHICLE TOWING STATUTES.
• SB00002 - AN ACT CONCERNING ARTIFICIAL INTELLIGENCE.
• SB00003 - AN ACT CONCERNING CONSUMER PROTECTION AND SAFETY.
• SB00010 - AN ACT CONCERNING HEALTH INSURANCE AND PATIENT PROTECTION.
• SB00146 - AN ACT PROHIBITING CERTAIN SALES OF CONSUMERS' GENETIC INFORMATION.
• SB00184 - AN ACT CONCERNING CONSUMER PROTECTION IN THE LONG-TERM CARE INSURANCE MARKET.
• SB00836 - AN ACT REQUIRING THE HEALTH CARE CABINET TO REPORT ON THE FEASIBILITY OF REGULATING STOP LOSS INSURANCE POLICIES USED IN CONJUNCTION WITH HEALTH PLANS AS FULLY INSURED HEALTH PLANS.
• SB00887 - AN ACT EXEMPTING CERTAIN COOKWARE FROM PFAS REQUIREMENTS.
• SB00972 - AN ACT CONCERNING CANCELLATION OF TELECOMMUNICATIONS SERVICES.
• SB01001 - AN ACT CONCERNING THE REGULATION OF STOP LOSS INSURANCE.
• SB01085 - AN ACT MODERNIZING MOTOR VEHICLE TOWING LAWS AND IMPLEMENTING CONSUMER PROTECTIONS FOR MOTOR VEHICLE OWNERS.
• SB01129 - AN ACT CONCERNING LONG-TERM CARE INSURANCE PREMIUM RATE INCREASES.
• SB01248 - AN ACT EXPANDING CONSUMER PROTECTIONS.
• SB01356 - AN ACT CONCERNING DATA PRIVACY, ONLINE MONITORING, SOCIAL MEDIA, DATA BROKERS AND CONNECTED VEHICLE SERVICES.
• SB01375 - AN ACT CONCERNING HIGHWAY, PEDESTRIAN AND CYCLIST SAFETY.
• SB01396 - AN ACT CONCERNING EARNED BUT UNPAID WAGE OR SALARY INCOME ADVANCES.
• SB01466 - AN ACT ESTABLISHING A TASK FORCE TO STUDY ISSUES RELATING TO CONSUMER PROTECTION AND OCCUPATIONAL LICENSING.
• SB01487 - AN ACT CONCERNING TRANSPORTATION NETWORK COMPANIES AND THIRD-PARTY DELIVERY COMPANIES.
• SB01544 - AN ACT CONCERNING A STUDY ON PRESETTLEMENT LEGAL FUNDING AND LOANS MADE IN CONNECTION WITH THE ANTICIPATED RECEIPT OF A WRONGFUL INCARCERATION AWARD.
• SB01560 - AN ACT CONCERNING CONNECTICUT'S ECONOMY, ELECTRICITY AFFORDABILITY AND BUSINESS COMPETITIVENESS AND ESTABLISHING THE CONNECTICUT ENERGY PROCUREMENT AUTHORITY AND THE GREEN BOND FUND.

  Health insurance 

 

• HB05174 - AN ACT REQUIRING HEALTH INSURANCE COVERAGE FOR DIAGNOSTIC AND SCREENING COLONOSCOPIES.
• HB05277 - AN ACT ALLOWING SPONSORING ASSOCIATIONS TO CREATE MULTIPLE EMPLOYER WELFARE ARRANGEMENTS.
• HB05278 - AN ACT PROHIBITING HEALTH CARE INSURERS FROM RETROACTIVELY DENYING HEALTH INSURANCE CLAIMS FOR BEHAVIORAL HEALTH AND SUBSTANCE ABUSE SERVICES.
• HB05279 - AN ACT CONCERNING HEALTH INSURANCE COVERAGE FOR INSULIN.
• HB05282 - AN ACT REQUIRING HEALTH INSURANCE COVERAGE FOR EMERGENCY MEDICAL SERVICES.
• HB05327 - AN ACT REQUIRING HEALTH INSURANCE COVERAGE FOR RECONSTRUCTIVE SURGERY FOLLOWING MELANOMA SURGERY ON THE FACE.
• HB05366 - AN ACT REQUIRING HEALTH INSURANCE COVERAGE FOR MENTAL HEALTH SERVICES PROVIDED THROUGH TELEHEALTH.
• HB05367 - AN ACT ALLOWING SPONSORING ASSOCIATIONS TO CREATE MULTIPLE EMPLOYER WELFARE ARRANGEMENTS.
• HB05472 - AN ACT CONCERNING HEALTH INSURANCE COVERAGE FOR CHILD CARE EDUCATORS.
• HB05589 - AN ACT CONCERNING HEALTH INSURANCE COVERAGE FOR PAXLOVID.
• HB05759 - AN ACT ESTABLISHING A CIVIL PENALTY FOR DELAYED PROCESSING OF HEALTH INSURANCE CLAIMS.
• HB05773 - AN ACT ESTABLISHING A SINGLE-PAYER HEALTH CARE PROGRAM IN CONNECTICUT.
• HB05821 - AN ACT CONCERNING FUNDING FOR TEACHERS' HEALTH INSURANCE COVERAGE.
• HB06097 - AN ACT CONCERNING PRESCRIPTION DRUG DISCOUNT TRANSPARENCY.
• HB06132 - AN ACT REQUIRING HEALTH INSURANCE COVERAGE FOR ALLERGEN INTRODUCTION DIETARY SUPPLEMENTS FOR INFANTS.
• HB06135 - AN ACT CONCERNING THE DEFINITION OF "INFERTILITY".
• HB06136 - AN ACT ESTABLISHING STANDARDS FOR INSURANCE COMPANIES TO TERMINATE COVERAGE OR ADJUST PREMIUMS FOR INSPECTION VIOLATIONS AT CHILD DAY CARE CENTERS.
• HB06137 - AN ACT REQUIRING HEALTH CARRIERS TO DISCLOSE CERTAIN INFORMATION TO CONSUMERS.
• HB06139 - AN ACT PROHIBITING HEALTH CARRIERS FROM USING PREMIUMS TO ENGAGE IN LOBBYING ACTIVITIES.
• HB06141 - AN ACT REQUIRING HEALTH INSURANCE COVERAGE FOR RECONSTRUCTIVE SURGERY FOLLOWING SKIN CANCER ON THE FACE.
• HB06142 - AN ACT CONCERNING HEALTH INSURANCE COVERAGE FOR OUT-OF-NETWORK GROUND TRANSPORT AMBULANCE CHARGES.
• HB06145 - AN ACT CONCERNING MENTAL HEALTH AND SUBSTANCE USE PARITY, COMPLIANCE AND TRANSPARENCY.
• HB06147 - AN ACT CONCERNING COVERAGE FOR MEDICALLY NECESSARY TREATMENT IN THIS STATE.
• HB06148 - AN ACT ALLOWING NONPROFITS TO PARTICIPATE IN ASSOCIATION HEALTH PLANS.
• HB06355 - AN ACT REQUIRING HEALTH INSURANCE COVERAGE FOR BIOMARKER TESTING.
• HB06413 - AN ACT REQUIRING UNINSURED AND UNDERINSURED MOTORIST COVERAGE FOR DEPARTMENT OF TRANSPORTATION EMPLOYEES.
• HB06436 - AN ACT CONCERNING REVISIONS TO THE HEALTH INSURANCE STATUTES.
• HB06501 - AN ACT CONCERNING CONSUMER ACCESS TO PHARMACIES.
• HB06600 - AN ACT ELIMINATING CERTAIN CERTIFICATE OF NEED REQUIREMENTS.
• HB06771 - AN ACT ESTABLISHING AN ALZHEIMER'S DISEASE AND DEMENTIA TASK FORCE, REQUIRING HEALTH INSURANCE COVERAGE FOR BIOMARKER TESTING AND CONCERNING TRANSFERS AND DISCHARGES IN RESIDENTIAL CARE HOMES, TUITION WAIVERS FOR NURSING HOME RESIDENTS WHO TAKE COURSES AT REGIONAL COMMUNITY-TECHNICAL COLLEGES AND CLOSURES AND EVACUATIONS OF RESIDENTIAL CARE HOMES AND NURSING HOMES.
• HB06817 - AN ACT REQUIRING THE INSURANCE DEPARTMENT TO STUDY HEALTH CARRIER USE OF PRIOR AUTHORIZATIONS.
• HB06834 - AN ACT CONCERNING THE DEPARTMENT OF MENTAL HEALTH AND ADDICTION SERVICES' RECOMMENDATIONS REGARDING VARIOUS REVISIONS TO MENTAL HEALTH AND ADDICTION SERVICES STATUTES.
• HB06865 - AN ACT IMPLEMENTING THE GOVERNOR'S RECOMMENDATIONS FOR GENERAL GOVERNMENT.
• HB06866 - AN ACT IMPLEMENTING THE GOVERNOR'S BUDGET RECOMMENDATIONS FOR EDUCATION.
• HB06870 - AN ACT ADDRESSING PATIENTS' PRESCRIPTION DRUG COSTS.
• HB06871 - AN ACT LIMITING OUT-OF-NETWORK HEALTH CARE COSTS.
• HB06895 - AN ACT CONCERNING HEALTH BENEFIT REVIEW AND REQUIRING HEALTH INSURANCE COVERAGE FOR BIOMARKER TESTING.
• HB06975 - AN ACT REQUIRING A BIENNIAL STUDY OF PAYMENT PARITY FOR SERVICES UNDER CERTAIN INDIVIDUAL AND GROUP HEALTH INSURANCE POLICIES IN THE STATE AND THE HUSKY HEALTH PROGRAM.
• HB06980 - AN ACT CONCERNING RECOMMENDATIONS OF THE LEGISLATIVE COMMISSIONERS' OFFICE REGARDING TECHNICAL REVISIONS TO PUBLIC HEALTH STATUTES.
• HB06999 - AN ACT REQUIRING A STUDY OF MULTIPLE EMPLOYER WELFARE ARRANGEMENTS FOR TRADE ASSOCIATIONS AND A REPORT CONCERNING HEALTH CARE PLANS, RETIREMENT PLANS AND OTHER BENEFITS PROVIDED BY NONSTATE PUBLIC EMPLOYERS.
• HB07039 - AN ACT CONCERNING THE RETURN OF HEALTH CARE PROVIDER PAYMENTS, ESTABLISHING A WORKING GROUP TO STUDY PHARMACIST COMPENSATION FOR ADMINISTERING CERTAIN SERVICES, REVISING THE DEFINITION OF CLINICAL PEER AND CONCERNING THE CONNECTICUT UNFAIR INSURANCE PRACTICES ACT.
• HB07040 - AN ACT REQUIRING A STUDY OF HEALTH CARRIER COVERAGE GUIDELINES, UTILIZATION REVIEW AND COVERAGE FOR LIFE-SAVING MEDICAL TREATMENT OR SERVICES.
• HB07101 - AN ACT ESTABLISHING A COMMISSION TO STUDY A HUSKY FOR ALL SINGLE-PAYER UNIVERSAL HEALTH CARE PROGRAM.
• HB07106 - AN ACT CONCERNING WHEELCHAIR REPAIR REQUIREMENTS.
• HB07115 - AN ACT CONCERNING REVISIONS TO THE HEALTH CARE COST GROWTH BENCHMARK PROGRAM.
• HB07116 - AN ACT CONCERNING INSURANCE ACCOUNTABILITY AND TRANSPARENCY.
• HB07117 - AN ACT CONCERNING THE RECOMMENDATIONS OF THE INSURANCE FUND WORKING GROUP.
• HB07192 - AN ACT IMPLEMENTING RECOMMENDATIONS OF THE BIPARTISAN DRUG TASK FORCE.
• HB07207 - AN ACT CONCERNING THE DISCLOSURE OF INSURER REPORTS CONCERNING TREATMENT LIMITATIONS ON MENTAL HEALTH AND SUBSTANCE USE DISORDER AND OTHER BENEFITS AS A PUBLIC RECORD.
• SB00010 - AN ACT CONCERNING HEALTH INSURANCE AND PATIENT PROTECTION.
• SB00011 - AN ACT CONCERNING PRESCRIPTION DRUG ACCESS AND AFFORDABILITY.
• SB00183 - AN ACT PROHIBITING HEALTH INSURERS FROM REQUIRING SPOUSES OF COVERED EMPLOYEES TO OBTAIN SEPARATE HEALTH INSURANCE COVERAGE.
• SB00186 - AN ACT REQUIRING AN ANNUAL AUDIT AND REPORT CONCERNING CERTAIN HEALTH CARE PLANS ADMINISTERED BY THIS STATE.
• SB00192 - AN ACT PROHIBITING HEALTH INSURANCE COMPANIES FROM IMPOSING UNILATERAL TIME LIMITS ON COVERAGE FOR ANESTHESIA SERVICES.
• SB00195 - AN ACT REQUIRING THAT HEALTH CARRIERS COLLECT OUT-OF-POCKET EXPENSES FOR COVERED BENEFITS.
• SB00196 - AN ACT LIMITING CHANGES TO PRESCRIPTION DRUG FORMULARIES FOR PSYCHIATRIC PRESCRIPTION DRUGS.
• SB00197 - AN ACT CONCERNING INSURANCE COVERAGE OF CERTAIN IN VITRO FERTILIZATION TREATMENTS FOR STATE AND MUNICIPAL FIREFIGHTERS DIAGNOSED WITH CANCER.
• SB00341 - AN ACT CONCERNING ASSESSMENTS AND USER FEES CHARGED TO HEALTH CARRIERS BY THE CONNECTICUT HEALTH INSURANCE EXCHANGE.
• SB00391 - AN ACT REQUIRING HEALTH INSURANCE COVERAGE FOR BIOMARKER TESTING.
• SB00392 - AN ACT PROHIBITING HEALTH INSURANCE COMPANIES FROM UNILATERALLY LIMITING HEALTH INSURANCE COVERAGE FOR SPECIAL NEEDS CHILDREN.
• SB00439 - AN ACT REQUIRING MEDICAID COVERAGE FOR BONE MARROW AND STEM CELL TRANSPLANTS AND FDA-APPROVED GENE THERAPIES TO TREAT SICKLE CELL DISEASE.
• SB00445 - AN ACT CONCERNING PATIENT CHOICE AND CONTINUITY OF CARE DURING HEALTH INSURANCE CONTRACT DISPUTES.
• SB00447 - AN ACT PROHIBITING HEALTH CARRIERS FROM USING ARTIFICIAL INTELLIGENCE IN THE EVALUATION AND DETERMINATION OF PATIENT CARE.
• SB00451 - AN ACT AUTHORIZING A FEE ON HEALTH INSURERS THAT ISSUE MEDICARE ADVANTAGE PLANS IN THE STATE.
• SB00453 - AN ACT REQUIRING THAT HEALTH CARRIERS ASSUME RESPONSIBILITY FOR THE COLLECTION OF OUT-OF-POCKET EXPENSES FOR COVERED BENEFITS.
• SB00454 - AN ACT REQUIRING HEALTH INSURERS TO ALLOW A COVERED PERSON TO TERMINATE COVERAGE AND PROCURE ALTERNATE HEALTH INSURANCE WITHOUT PENALTY WHEN SUCH COVERED PERSON'S HEALTH CARE PROVIDERS ARE DESIGNATED OUT-OF-NETWORK.
• SB00456 - AN ACT CONCERNING HEALTH INSURER LIABILITY FOR DAMAGES AND HARMS CAUSED BY UNDUE DELAY IN AUTHORIZING OR APPROVING CARE.
• SB00552 - AN ACT CONCERNING MENTAL HEALTH PARITY.
• SB00554 - AN ACT REQUIRING HEALTH INSURANCE COVERAGE FOR BIOMARKER TESTING.
• SB00680 - AN ACT CONCERNING PRIOR AUTHORIZATIONS WHEN AN INSURED OBTAINS NEW HEALTH INSURANCE COVERAGE.
• SB00683 - AN ACT REQUIRING HEALTH INSURANCE COVERAGE FOR CERTAIN SURGICAL PROCEDURES PERFORMED TO TREAT SEVERE OBESITY.
• SB00757 - AN ACT REQUIRING SELF-FUNDED MUNICIPALITIES IN THIS STATE TO PROVIDE HEALTH INSURANCE COVERAGE FOR BREAST CANCER SCREENINGS.
• SB00817 - AN ACT PROHIBITING HEALTH INSURERS FROM USING SOFTWARE TOOLS TO AUTOMATICALLY DOWNCODE HEALTH INSURANCE CLAIMS.
• SB00819 - AN ACT REQUIRING SITE-NEUTRAL REIMBURSEMENTS FOR CERTAIN COVERED HEALTH INSURANCE BENEFITS.
• SB00823 - AN ACT LIMITING RECOVERY OF CLAIMS FOR BEHAVIORAL HEALTH CONDITIONS.
• SB00836 - AN ACT REQUIRING THE HEALTH CARE CABINET TO REPORT ON THE FEASIBILITY OF REGULATING STOP LOSS INSURANCE POLICIES USED IN CONJUNCTION WITH HEALTH PLANS AS FULLY INSURED HEALTH PLANS.
• SB00998 - AN ACT REQUIRING HEALTH INSURANCE COVERAGE FOR MEDICAL FOODS FOR INDIVIDUALS DIAGNOSED WITH PHENYLKETONURIA.
• SB00999 - AN ACT REQUIRING HEALTH INSURANCE COVERAGE FOR MOTORIZED WHEELCHAIRS.
• SB01000 - AN ACT REQUIRING HEALTH INSURANCE COVERAGE FOR CERTAIN OBESITY TREATMENTS.
• SB01004 - AN ACT CONCERNING COMPLIANCE WITH MENTAL HEALTH PARITY LAWS.
• SB01006 - AN ACT REQUIRING IN-NETWORK RATES DURING HEALTH INSURANCE CONTRACT DISPUTES.
• SB01007 - AN ACT CONCERNING HEALTH INSURANCE COVERAGE FOR EARLY CHILD CARE WORKERS.
• SB01008 - AN ACT CONCERNING HEALTH INSURANCE COVERAGE FOR NONPROFITS UNDER THE STATE EMPLOYEE HEALTH PLAN.
• SB01009 - AN ACT PROHIBITING THE REMOVAL OF PARTICIPATING PROVIDERS UNTIL THE END OF A POLICY PERIOD.
• SB01012 - AN ACT REQUIRING CONTRACTS BETWEEN PHARMACY BENEFITS MANAGERS AND HEALTH CARRIERS TO PROVIDE FEE-BASED COMPENSATION.
• SB01013 - AN ACT REQUIRING HEALTH INSURANCE COVERAGE FOR CLOSURE OF A PATENT FORAMEN OVALE.
• SB01015 - AN ACT REQUIRING HEALTH INSURANCE COVERAGE FOR ACTIVITY-SPECIFIC PROSTHETIC AND ORTHOTIC DEVICES.
• SB01044 - AN ACT CONCERNING ADVERSE DETERMINATION AND UTILIZATION REVIEWS.
• SB01210 - AN ACT REQUIRING HEALTH CARRIERS TO PAY A CIVIL PENALTY FOR ADVERSE DETERMINATION REVERSALS.
• SB01239 - AN ACT CONCERNING THE FALLEN HERO FUND AND PROVIDING HEALTH INSURANCE COVERAGE TO SURVIVORS OF FIRST RESPONDERS WHO ARE KILLED IN THE LINE OF DUTY.
• SB01366 - AN ACT CONCERNING PHARMACY BENEFITS MANAGERS AND PRESCRIPTION DRUG REBATE REPORTING REQUIREMENTS.
• SB01376 - AN ACT REDUCING BLOOD ALCOHOL LIMITS FOR IMPAIRED DRIVING AND BOATING, CONCERNING INFORMATION REGARDING POLICE PHLEBOTOMY TRAINING AND STUDYING THE IMPLEMENTATION OF ELECTRONIC WARRANT TECHNOLOGY.
• SB01443 - AN ACT CONCERNING THE PROVISION OF SURVIVOR'S BENEFITS AND HEALTH INSURANCE COVERAGE TO FAMILY MEMBERS OF CORRECTION OFFICERS, COURT SUPPORT SERVICES DIVISION INVESTIGATORS, CRIMINAL JUSTICE DIVISION INVESTIGATORS AND OFFICE OF THE CHIEF PUBLIC DEFENDER INVESTIGATORS KILLED IN THE LINE OF DUTY.
• SB01530 - AN ACT CONCERNING A TECHNICAL CHANGE TO A PROVISION CONCERNING GOVERNMENT ADMINISTRATION AND THE PROVISION OF REPRODUCTIVE AND GENDER-AFFIRMING HEALTH CARE SERVICES TO PATIENTS REGARDLESS OF LOCATION.