INDIVIDUAL HEALTH INS FAIRNESS

Creates the Individual Health Insurance Fairness Law. Provides that no insurer authorized to transact the class of business set forth in Class 1 and Class 2 (accident and health) of the Insurance Code and issuing small group coverage may deny coverage to applicants based on health status. Creates the Health Insurance Financial Transparency Law. Provides that all insurers authorized to transact the class of business set forth in Class 1 and Class 2 (accident and health) of the Insurance Code shall maintain a minimum medical loss ratio of 85% or above for all companies in the individual and small group markets. Provides that such companies may average total costs across all plans. Creates the Small Group and Self-Employed Health Insurance Fairness Law. Provides that all insurers, as defined in the Law, shall offer one or more health insurance choice policies to employees of eligible employers in this State and to self-employed persons. Provides that an insurer offering a policy under the Law may not base insurance ratings on the health status or claims experience in the employer-based small group market. Creates the Health Insurer Accountability and Patient Protection Law. Provides that in cases of an adverse determination by an insurer or health carrier, the insurer or health carrier shall provide for external independent reviews of claim denials or adverse determinations. Sets forth provisions concerning denials of treatment for mental and emotional disorders. Creates the Illinois Affordable Health Insurance Law. Contains a short title provision only. Makes other changes.