Health insurance; tobacco surcharge.

Summary

The bill tells health insurers that premiums for individual or small‑group plans can only be based on coverage type, geographic area, age (no more than a 3‑to‑1 spread for adults) and tobacco use (no more than a 1.5‑to‑1 spread). It also requires insurers to publicly disclose large regional rate differences and to file detailed quarterly data when those differences are very high. The aim is to make pricing more transparent and curb steep price spikes.

AI-generated summary — may be incomplete or inaccurate. Verify against the official bill text.

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