I 
114TH CONGRESS 
1ST SESSION H. R. 1664 
To authorize health insurance issuers to continue to offer for sale current 
group and individual health insurance coverage in satisfaction of the 
minimum essential health insurance coverage requirement, and for other 
purposes. 
IN THE HOUSE OF REPRESENTATIVES 
MARCH 26, 2015 
Mr. CULBERSON introduced the following bill; which was referred to the Com-
mittee on Energy and Commerce, and in addition to the Committee on 
Ways and Means, for a period to be subsequently determined by the 
Speaker, in each case for consideration of such provisions as fall within 
the jurisdiction of the committee concerned 
A BILL 
To authorize health insurance issuers to continue to offer 
for sale current group and individual health insurance 
coverage in satisfaction of the minimum essential health 
insurance coverage requirement, and for other purposes. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Health Insurance 
Freedom Act of 2015’’. 
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SEC. 2. IF YOU LIKE YOUR HEALTH INSURANCE PLAN, YOU 
CAN KEEP IT. 
(a) IN GENERAL.—Notwithstanding any provision of 
the Patient Protection and Affordable Care Act (including 
any amendment made by such Act or by the Health Care 
and Education Reconciliation Act of 2010), in the case 
of an electing State under subsection (c), a health insur-
ance issuer that has in effect health insurance coverage 
in the group or individual market in such State on any 
date during 2013 may after such date offer such coverage 
for sale in such market in such State outside of an Ex-
change established under section 1311 or 1321 of such 
Act (42 U.S.C. 18031, 18041). A group health plan shall 
not be treated as not complying with the requirements of 
such Act (or the amendments made by such Acts) insofar 
as it provides health benefits through health insurance 
coverage that is permitted under the previous sentence. 
(b) TREATMENT
AS
GRANDFATHERED
HEALTH 
PLAN IN SATISFACTION OF MINIMUM ESSENTIAL COV-
ERAGE.—In the case of an electing State under subsection 
(c), health insurance coverage described in subsection (a) 
shall be treated as a grandfathered health plan for pur-
poses of the amendment made by section 1501(b) of the 
Patient Protection and Affordable Care Act. 
(c) ELECTING STATE.—A State insurance commis-
sioner may, in such manner and at such time as specified 
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by the Secretary of Health and Human Services, elect to 
apply the provisions of this section with respect to health 
insurance coverage offered in the group or individual mar-
ket in such State. In this section, a State with respect 
to which such an election is made is referred to as an elect-
ing State. 
(d) CONSTRUCTION.—Nothing in this section shall be 
construed as affecting the authority of States with respect 
to the regulation of health insurance coverage in the group 
or individual market. 
Æ 
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