❌ SB165
Prohibit denial of health insurance claim for certain factors
Summary
The bill prohibits health insuring corporations and sickness and accident insurers from reducing or denying claims based on specific factors such as diagnosis codes, duration of appointments, or the absence of an emergency medical condition. It mandates coverage for emergency services without prior authorization and requires insurers to inform enrollees about their coverage and procedures. Exceptions to the coverage requirements are specified for certain types of insurance policies.
Rationale
The bill introduces regulations that may increase government control over health insurance practices, which conflicts with the Libertarian principles of minimal government intervention and free market operations. Both the LP and LPO platforms advocate for limited government involvement in personal and economic matters, suggesting that this bill may not align with their core values.
Risks and Concerns
- Increased government regulation of health insurance
- Potential for reduced market competition
- Possibility of higher insurance costs due to mandated coverage