ࡱ> {}|q` 'bjbjqPqP I:::i5       & 8$$& $026^(///////V1h3T/ :::/  4/fff:  !/f:/ff(  E+ * J Jd*8.4/0$0*j4b4DQ+Q+4 e+f//X$0::::& & & & & & & & &          WASHINGTON ASSOCIATION OF HEALTH UNDERWRITERS LEGISLATIVE UPDATE February 6, 2007 House and Senate Committees Hold Joint Hearings to Consider Sweeping Proposal to Change Health Insurance Coverage in Washington State The House Health Care & Wellness Committee held a joint hearing with the Senate Health & Long Term Care Committee on Wednesday, January 31 to consider HB 1569Rep. Eileen Codys controversial proposal aimed at overhauling Washington health insurance system. In many respects, the proposal appears to be modeled after legislation enacted in Massachusetts last year. It relies heavily on a new entityThe Washington State Health Insurance Connectorto provide a single point of access for all individuals, small groups and association groups to buy health insurance coverage. No markets for individuals, small groups or associations would be available outside of The Connector. The Connector would design and offer four or five standard benefit packages, and would be administered by the Washington State Health Care Authoritythe state agency that currently handles public employee benefits and the Washington Basic Health Plan. Coverage would appear to be offered to individuals on a guaranteed issue basis, with no health screening or use of the current health status questionnaire. The Connector would be funded with a surcharge imposed on all health plan premiums to cover its administrative and operational expenses. The program would also impose a new reinsurance program. The source of funding for the reinsurance program is unclear. The proposal contemplates the payment of Broker Commissions for services associated with enrolling business through The Connector, but it is unclear what level of commissions are anticipated or what professional services would be required of health insurance professionals. A panel of health plan representatives raised serious operational questions with respect to the content of the bill. Employer representatives flatly opposed the measureexpressing concern for the impacts that the bill would have on employer choices in the market place and the effect that the proposal would have on association health plans. House and Senate Committees Hold Joint Hearing to Consider OIC Proposal to Overhaul the Individual Health Insurance Market The House Health Care & Wellness Committee, together with the Senate Health & Long Term Care Committee, held a joint hearing to consider legislation proposed by Insurance Commissioner Mike Kreidler to overhaul the regulation of the individual health insurance market. The joint hearing to consider the measure was held on Thursday, February 1. The proposal would give the OIC the authority to review rates in the individual health insurance market, and to consider carrier capital and surplus levels in the rate review process. A panel of health plan representatives testified that the proposal alters core elements of the Individual Market Stabilization Bill that was enacted only six years ago after the collapse of the individual market in Washington state during the late 1990s. WAHU expressed concern that regulating the level of capital and surplus could reduce the financial strength of carriersproviding an unwelcoming regulatory environment for carriers who might consider entering the Washington market and interfering with the ability of carriers to provide new innovations and technologies to meet customer expectations. OIC Producer Licensing Bill Yet to be Considered by House and Senate Committees Although the OIC has introduced legislation (HB 1533 and SB 5715) to reform and modernize agent, broker, and adjuster licensing and administration, hearings have yet to be scheduled to consider the measure. The proposal is intended to simplify and streamline the licensing process in an effort to provide reciprocity and uniformity with other states insurance licensing laws. Most segments of the insurance industry have expressed support for the concepts behind the measure. One producer association, however, continues to express concern about the disclosure requirements in the billprovisions that have been in place with respect to brokers for over a decade. Hearings are likely within the next two weeks. House Committee to Consider OIC Market Analysis Bill On Thursday, February 8 the House Insurance, Financial Services & Consumer Protection Committee will hold a hearing to consider HB 1532a redrafted version of the OICs Market Analysis proposal. The proposal is intended to provide the OIC with the information and methods necessary to monitor the states insurance marketplace, identify trends, changes and emerging issues to target insurers for regulatory intervention and to allocate resources where they can be most effective to protect consumers. Insurance Commissioner Mike Kreidler has indicated that the plan is intended to modernize the current process for market conduct examinations. On Tuesday, January 9, the Senate Financial Institutions and Insurance Committee held a work session to consider the OICs Market Analysis proposal. The hearing proved to be a rocky start for the proposal. Committee Chair Jean Berkey (D, 38th Legislative District) raised questions about the overlap between the existing market conduct provisions and the new market analysis plan. The national insurance trade associations expressed concern that the current OIC draft proposal does not provide sufficient opportunity for insurers to verify the accuracy of the data used in the market analysis program. Concerns were also raised about the overlap of existing market conduct examination provisions and the new market analysis proposal; the lack of controls on fees charged by independent examiners under contracts with the OIC; and the lack of alternative dispute resolution provisions to address concerns that arise during the investigation or examination process. Insurers also stressed the importance of strong confidentiality language. According to the OIC HB 1532 has been redrafted to addresses the overlap between existing market conduct provisions and the new market analysis plan. Other issues remain to be negotiated. House Committee Holds Hearing to Consider Plaintiff Lawyers Controversial Insurance Fair Conduct BillSenate Committee to Consider the Issue on Thursday, February 8 The House Insurance, Financial Services & Consumer Protection Committee held a hearing on Thursday, February 1 to consider HB 1491a controversial bill drafted by the Washington State Trial Lawyers Association that is titled the "Insurance Fair Conduct" bill. As drafted, the bill appears to be a variation on the "third party bad faith" legislation that was overturned by voters in California. WSTLAs bill, however, would appear to apply to all claimants. Former WSTLA President Pat LePley testified in support of the bill, and argued that the bill is intended to apply to first party claims only. A panel of defense lawyers and a UW Law School Insurance Law professor spoke in opposition to the measure, arguing that the bill would increase costs for consumers. The Senate Consumer Protection & Housing Committee will hold a hearing on SB 5726the Senate version of the measureon Thursday, February 8 at 8:30 a.m. If you have questions or comments about this report, please contact one of the following members of WAHUs legislative committee: Cathy Backamus ( HYPERLINK "mailto:ceb@bratrud.com)-" ceb@bratrud.com)- Tri-County Chapter Legislative Chair Bob Harley ( HYPERLINK "mailto:rharley@fidelityins.com)-" rharley@fidelityins.com)- Spokane Chapter Legislative Chair Mark Rose ( HYPERLINK "mailto:mrose@baldwinrgi.com" mrose@baldwinrgi.com) Northwest Washington Legislative Chair Josh Nace ( HYPERLINK "mailto:jnace@dentalhealthservices.com" jnace@dentalhealthservices.com State Legislative Chair Greg Seifert ( HYPERLINK "mailto:greg.seifert@biggsinsurance.com)-" greg.seifert@biggsinsurance.com)- Federal Legislative Chair     PAGE 1 -  PAGE 2 - EUVWX Y[< !!!" 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