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This bill would repeal the health insurance and health coverage expansions required by the Patient Protection and Affordable Care Act (ACA) and related provisions of the Health Care and Education Reconciliation Act of 2010 (HCERA) and restore the law that existed previously. It would also enact reforms allowing consumers to purchase health insurance that is offered in any state -- not just plans that are available in their own.

The Public Health Service Act would be changed to make the laws of a state designated by a health insurance company as its ‘primary state’ would apply to individual health insurance offered by that company in the primary state and in any other state (secondary states). This change would only apply if the insurance company and its coverage comply with this legislation.

Health insurance companies would be exempt from any secondary state’s laws prohibiting or regulating a company’s operations in a secondary state. However, the laws of the primary state could allow for such restrictions to be imposed in secondary states -- but absent specific public policies to that effect, primary states have jurisdiction over enforcing its own laws on a health insurance company in primary and secondary states.

The Government Accountability Office (GAO) would be required to study the effect of this legislation on specified health insurance issues, particularly:

The number of people who are uninsured or underinsured;
The availability and cost of health insurance policies for people with pre-existing medical conditions;
The availability and cost of health insurance in general;
The elimination or reduction of different types of benefits under health insurance policies offered in different states;
Cases of fraud or abuse relating to health insurance coverage offered and the resolution of such cases.

","official_title":"A bill to repeal title I of the Patient Protection and Affordable Care Act and to amend the Public Health Service Act to provide for cooperative governing of individual health insurance coverage offered in interstate commerce.","short_title":"Health Care Choice Act of 2015","popular_title":null,"short_summary":"Health Care Choice Act of 2015\n\nRepeals the health insurance and health coverage expansion requirements of the Patient Protection and Affordable Care Act and related requirements of the Health Care and Education Reconciliation Act of 2010. Restores provisions of law amended or repealed by those provisions.\n\nAmends the Public Health Service Act to provide that the laws of the state designated by a health insurance issuer (primary state) apply to individual health insurance coverage offered by that issuer in the primary state and in any other state (secondary state), but only if the coverage and issuer comply with the conditions of this Act.\n\nExempts issuers from any secondary state's laws that would prohibit or regulate the operation of the issuer in that state, subject to certain restrictions imposed by that state.\n\n Gives sole jurisdiction to the primary state to enforce the primary state's covered laws in the primary state and any secondary state.\n\nRequires the Government Accountabili...","summarized":true,"cost":null,"cost_commentary":"A CBO cost estimate is unavailable.","impact":"People with health insurance they obtained through health insurance exchanges, health insurance companies, state regulators.","argument_for":"Repealing the health insurance coverage mandates and allowing consumers to buy their health insurance across state lines is a sensible way to make the health insurance market more competitive -- which will help drive down costs.","argument_against":"It is not clear what will happen to people with existing health insurance policies if this bill were made it into law, and uncertainty about coverage rightfully makes people nervous. 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William

Eliminating ACA Mandates and Letting Consumers to Buy Health Insurance Across State Lines