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H 1101

An Act relative to consumer deductibles

194th Legislature (2025-2026) Introduced by Dan Cahill and 5 co-sponsors

H 1101: An Act relative to consumer deductibles SummaryThis bill, H 1101, aims to regulate consumer deductibles for certain types of insurance coverage in the state. The main purpo

Hearing rescheduled to 04/29/2025 from 10:00 AM-01:00 PM in A-2 and Virtual Hearing updated to New End Time
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Bill Summary · H 1101

H 1101: An Act relative to consumer deductibles

Summary

This bill, H 1101, aims to regulate consumer deductibles for certain types of insurance coverage in the state. The main purpose is to provide more transparency and protections for consumers regarding the deductibles they face when filing insurance claims.

Key Provisions

  • Requires insurance providers to clearly disclose all deductible amounts and terms in plain language when selling policies to consumers.
  • Limits the maximum allowable deductible amount for individual health insurance plans to $2,000 for individuals and $4,000 for families.
  • Prohibits insurance companies from increasing deductible amounts mid-policy term without the policyholder's consent.
  • Mandates that insurance providers give 90-day advance notice before making any changes to deductible terms or amounts at policy renewal.
  • Establishes an appeals process for consumers to challenge unreasonable deductible increases.

Affected Stakeholders

  • Individual health insurance policyholders
  • Consumers purchasing other types of insurance like auto, homeowner's, or renter's policies
  • Insurance companies operating in the state

Procedural Details

  • The bill was first introduced on February 27, 2025.
  • A public hearing on the bill was originally scheduled for April 10, 2025 but has been rescheduled to April 29, 2025 from 10:00 AM to 1:00 PM.
  • The hearing will take place both in-person (location A-2) and virtually.
  • This bill replaces a previous version, HD 1877, which was introduced earlier in the legislative session.

Overall, H 1101 aims to enhance consumer protections and increase transparency around insurance deductibles, which can have a significant financial impact on policyholders. The new requirements and limits are intended to make deductibles more manageable and predictable for individuals and families.

Compiled from official sources — confirm details with the bill’s official record.

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