§431:2-201.5  Conformity to federal law. 
[Repeal and reenactment on July 1, 2013.  L 2009, c 11, §14.]  (a)  The
provisions of Title 42 United States Code section 300gg, et seq., as they
relate to group and individual health insurance shall apply to title 24,
except:



(1)  Where state law provides greater health benefits
or coverage than Title 42 United States Code section 300gg, et seq., state law
shall be applicable; and



(2)  This section shall not apply to or affect life
insurance, endowment, or annuity contracts, or any supplemental contract
thereto, described in section 431:10A-101(4).



(b)  The following definitions shall be used
when applying Title 42 United States Code section 300gg, et seq.:



"Employee" means an employee who
works on a full-time basis with a normal workweek of twenty hours or more.



"Group health issuer" means all
persons offering health insurance coverage to any group or association, but
shall not include those persons offering benefits exempted from Title I of the
Health Insurance Portability and Accountability Act of 1996, P.L. 104-191 under
sections 732(c) and 733(c) of Title I of the Employee Retirement Income
Security Act of 1974 and sections 2747 and 2791(c) of the Public Health Service
Act.



"Qualifying event" means the date of
issuance of a general excise tax license, the loss of a job, a reduction in
hours of work, or the exhaustion of the federal Consolidated Omnibus Budget
Reconstruction Act continuation coverage that results in a loss of health care
coverage.



"Self-employed individual" means a
person operating the person's own business, whether as a sole proprietorship or
in any other legally recognized manner in which a person may operate the
person's own business, who has a general excise tax license for that business, and
who is registered or licensed by the department of commerce and consumer
affairs for that business.



"Small employer" means an employer
who employs between one and no more than fifty employees.



(c)  All group health issuers shall offer all
small group health plans to all small employers whose employees live, work, or
reside in the group health issuer's service areas; provided that:



(1)  The commissioner may exempt a group health issuer
if the commissioner determines that the group health issuer does not have the
capacity to deliver services adequately to enrollees of additional groups given
its obligation to existing employer groups; and



(2)  The commissioner may exempt from this subsection
group health plans offered to small employers that employ only one employee, if
the group health issuer offers the small employer groups at least one small
group health plan that meets the requirements of chapter 393, and upon the
determination by the commissioner that the group health issuer has the capacity
to adequately deliver services to enrollees of the additional groups, subject
to its obligations to existing employer groups.



(d)  Subject to subsection (e)(1), beginning
September 1, 2008, and annually thereafter, all group health issuers shall
offer small group health plans to self-employed individuals who live, work, or
reside in the group health issuer's service areas; provided that the
commissioner may exempt a group health issuer if the commissioner determines
that the group health issuer does not have the capacity to deliver services
adequately to enrollees of additional groups given its obligation to existing
employer groups.



(e)  Group health issuers may limit periods of
enrollment for self-employed individuals to a minimum of thirty calendar days;
provided that:



(1)  Self-employed individuals who experience a
qualifying event shall enroll with a group health issuer within thirty days of
the qualifying event; and



(2)  Group health issuers shall be allowed to impose a
one-year waiting period against self-employed individuals who terminate
coverage for any reason.  If a self-employed individual terminates coverage and
a one-year waiting period is imposed against the individual, a group health
issuer need not reenroll the individual until the period of enrollment
following the one-year waiting period.



(f)  A group health issuer shall be prohibited
from imposing any preexisting condition exclusion.



(g)  The commissioner may adopt rules to
implement, clarify, or conform title 24 to Title 42 United States Code section
300gg, et seq.



(h)  The adoption of the Health Insurance
Portability and Accountability Act of 1996, P.L. 104-191, for the purposes of
title 24 is not an adoption for any purposes for income taxes under chapter
235.



(i)  The State shall have jurisdiction over any
matter that Title 42 United States Code section 300gg, et seq., permits,
including jurisdiction over enforcement.



(j)  As used in this section, "small group
health plans" means the medical plans currently offered, advertised, or
marketed by a group health issuer for small employers. [L 1997, c 291, §2; am L
1999, c 93, §5; am L 2000, c 151, §1; am L 2001, c 55, §19; am L 2004, c 122,
§2; am L 2007, c 247, §1; am L 2008, c 120, §§1, 3]