An Act providing for health insurance access protections; imposing duties on the Insurance Department and the Insurance Commissioner; and imposing penalties.

This bill establishes the Health Insurance Access Protection Act to prevent insurance companies from discriminating against people based on their health status, medical history, or preexisting conditions. It requires insurers to allow individuals and their dependents to enroll in or renew health plans without denying coverage or charging higher premiums due to these health factors. The law also limits how much insurance rates can vary based on age and tobacco use while giving the Insurance Department authority to set specific rating rules and enforce penalties for violations.