Small Business Health Relief Act of 2013

To lower health premiums and increase choice for small businesses. 1. Short title; table of contents (a) Short title This Act may be cited as the Small Business Health Relief Act of 2013 (b) Table of contents The table of contents for this Act is as follows: Sec. 1. Short title; table of contents. TITLE I—Making coverage affordable for small businesses Sec. 101. Protecting American jobs and wages. Sec. 102. Increasing flexibility for small businesses. Sec. 103. Increasing choices for Americans. Sec. 104. Protecting patients from higher premiums. Sec. 105. Ensuring affordable coverage. TITLE II—Increasing consumer control Sec. 201. Repeal of the restriction on over-the-counter medicines. Sec. 202. Repeal of the annual cap. TITLE III—Allowing individuals to keep coverage they like Sec. 301. Allowing individuals to keep the coverage they have if they like it. I Making coverage affordable for small businesses 101. Protecting American jobs and wages Sections 1513 and 1514 and subsections (e), (f), and (g) of section 10106 of the Patient Protection and Affordable Care Act ( Public Law 111–148 102. Increasing flexibility for small businesses Section 1302(c)(2) of the Patient Protection and Affordable Care Act ( Public Law 111–148 42 U.S.C. 18022(c)(2) 103. Increasing choices for Americans (a) Qualified health plan coverage satisfied by high deductible health plan with health savings account Section 1302(e) of the Patient Protection and Affordable Care Act ( 42 U.S.C. 18022(e) (e) High deductible health plan with health savings account A health plan not providing a bronze, silver, gold, or platinum level of coverage shall be treated as meeting the requirements of subsection (d) with respect to any plan year for any enrollee if the plan meets the requirements for a high deductible health plan under section 223(c)(2) . (b) Conforming amendments (1) Subparagraph (C) of section 1312(d)(3) of the Patient Protection and Affordable Care Act (42 U.S.C. 18032(d)(3)) is amended by striking , except 1302(e)(2) (2) Subparagraph (A) of section 36B(c)(3) Public Law 111–148 , except such Act (3) Subparagraph (B) of section 1334(c)(1) of the Patient Protection and Affordable Care Act (42 U.S.C. 18054(c)(1)) is amended by striking and catastrophic coverage 104. Protecting patients from higher premiums Section 9010 of the Patient Protection and Affordable Care Act ( Public Law 111–148 105. Ensuring affordable coverage Section 2701(a)(1)(A)(iii) of the Public Health Service Act (42 U.S.C. 300(a)(1)(A)(iii)), as added by section 1201 of the Patient Protection and Affordable Care Act ( Public Law 111–148 , except 2707(c)) II Increasing consumer control 201. Repeal of the restriction on over-the-counter medicines Section 9003 of the Patient Protection and Affordable Care Act ( Public Law 111–148 202. Repeal of the annual cap Sections 9005 and 10902 of the Patient Protection and Affordable Care Act ( Public Law 111–148 III Allowing individuals to keep coverage they like 301. Allowing individuals to keep the coverage they have if they like it (a) In general Section 1251(a)(2) of the Patient Protection and Affordable Care Act ( 42 U.S.C. 18011 (1) by striking Except as provided in paragraph (3), (A) In general Except as provided in paragraphs (3) and (4), ; and (2) by adding at the end the following: (B) Protecting employers and consumers with grandfathered coverage (i) In general A group health plan or health insurance coverage in which an individual is enrolled on or after March 23, 2010, but before any plan year beginning not later than 1 year after the date of the enactment of this subparagraph, and which is deemed to be a grandfathered health plan under this section, shall continue to be considered a grandfathered health plan with respect to such individual regardless of any modification to the cost-sharing levels, employer contribution rates, or covered benefits under such plan or coverage as otherwise permitted under this Act (and the amendments made by this Act). (ii) Regulations The Secretary shall promulgate regulations to clarify the application of clause (i) to a plan or coverage that continues to be a grandfathered health plan pursuant to such clause. . (b) Effective date; previously promulgated regulations voided (1) Effective date The amendments made by this section shall take effect as if included in the enactment of the Patient Protection and Affordable Care Act. (2) Previously promulgated regulations voided Any regulations relating to section 1251(a)(2) of such Act promulgated before the date of the enactment of this Act shall have no force or effect.

Summary: Small Business Health Relief Act of 2013 - Repeals provisions of the Internal Revenue Code (IRC), as added by the Patient Protection and Affordable Care Act (PPACA), that: (1) impose fines on large employers (those with more than 50 full-time employees) who fail to offer their full-time employees the opportunity to enroll in minimum essential health insurance coverage, and (2) require such large employers to file a report with the Secretary of the Treasury on health insurance coverage provided to their full-time employees. Repeals provisions of PPACA that: (1) set limits on the annual deductible on health plans offered in the small group market, (2) allow catastrophic plans to be offered in the individual market to individuals under the age of 30, and (3) impose an annual fee on health insurance entities. Deems high deductible health plans to meet essential health benefits coverage requirements if the enrollee has established a health savings account. Amends the Public Health Service Act, as amended by PPACA, to repeal the allowance of a premium rate variance by age in the individual or small group market. Repeals restrictions on payments for medications from health savings accounts, medical savings accounts, and health flexible spending arrangements. Repeals the limitation to $2,500 of annual salary reduction contributions by an employee to a health flexible spending arrangement under a cafeteria plan. Allows a health plan to maintain its status as a grandfathered health plan regardless of any modification to the cost-sharing levels, employer contribution rates, or covered benefits. Requires the Secretary of Health and Human Services (HHS) to promulgate regulations to clarify the application of such allowance. Makes this allowance effective as if included in PPACA. Voids any regulations promulgated pursuant to current related provisions before enactment of this Act.