2003 House Bill 4280 / Public Act 58

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Introduced in the House

Feb. 25, 2003

Introduced by Rep. David Robertson (R-51)

To allow health insurance companies to use a long-term care insurance application form designed to elicit the complete health history of an applicant, and to charge different rates based on age for the same long-term care coverage if the rate differential is based on sound actuarial principles and a reasonable classification system.

Referred to the Committee on Health Policy

May 22, 2003

Reported without amendment

With the recommendation that the substitute (H-1) be adopted and that the bill then pass.

June 5, 2003

Substitute offered

To replace the previous version of the bill with one which incorporates technical changes that do not affect the substance of the bill as previously described.

The substitute passed by voice vote

Passed in the House 107 to 1 (details)

To allow health insurance companies to use a long-term care insurance application form designed to elicit the complete health history of an applicant, and to charge different rates based on age for the same long-term care coverage if the rate differential is based on sound actuarial principles and a reasonable classification system. The bill specifies that revenue from the sale of long term care insurance policies by Blue Cross Blue Shield would be taxable, unlike the companies other insurance lines.

Received in the Senate

June 10, 2003

Referred to the Committee on Health Policy

June 17, 2003

Reported without amendment

With the recommendation that the bill pass.

June 25, 2003

Substitute offered

To replace the previous version of the bill with one requiring Blue Cross Blue Shield to only offer long term care insurance through a taxable for-profit subsidiary, and not directly.

The substitute passed by voice vote

Passed in the Senate 35 to 1 (details)

To require Blue Cross Blue Shield to only offer long term care insurance through a taxable for-profit subsidiary, and not directly. The bill would allow health insurance companies to use a long-term care insurance application form designed to elicit the complete health history of an applicant, and to charge different rates based on age for the same long-term care coverage if the rate differential is based on sound actuarial principles and a reasonable classification system.

Received in the House

June 25, 2003

June 26, 2003

Passed in the House 108 to 1 (details)

To concur with the Senate-passed version of the bill.

Signed by Gov. Jennifer Granholm

July 11, 2003