Wisconsin Bill: SB 174

This bill establishes comprehensive health insurance protections that would take effect if federal Affordable Care Act (ACA) provisions are no longer enforceable. The bill requires all health benefit plans in the state to accept individuals and employers for coverage regardless of preexisting conditions, with enrollment restricted to specific open and special enrollment periods. Premium rates can only be varied based on four factors: family coverage status, geographic rating area, age (with rates limited to a 3:1 ratio), and tobacco use (with rates limited to a 1.5:1 ratio). The bill explicitly prohibits health plans from imposing preexisting condition exclusions.