An Act to Allow Certain Discounts on Health Insurance
Maine Legislature, Session 121, LD 0161
Committee: Insurance and Financial Services
Sponsors: LaFOUNTAIN, O'NEIL, MAYO

Legislative Document 
No. 161 
S.P.84 
In Senate, January 21,2003 
An Act to Allow Certain Discounts on Health Insurance 
Reference to the Committee on Insurance and Financial Services suggested and ordered 
printed. 
Presented by Senator LaFOUNTAIN of York. 
Cosponsored by Representative O'NEIL of Saco and 
Senator: MAYO of Sagadahoc. 
Printed on recycled paper 
JOY J. O'BRIEN 
Secretary of the Senate 
Be it enacted by the People of the State of Maine as follows: 
Sec. 1. 24·A MRSA §2736·C, sub·§2, 1[B, as enac ted by PL 1993, 
c. 477, Pt. C, §l and affected by Pt. F, §l, is amended to read: 
B. 
A carrier may not vary the premium rate due to the 
gender, 
Beal&B-6~a~~6T claims experience or policy duration 
of the individual. 
A carrier may vary the premium rate 
based on health status only as permitted in paragraph D. 
Sec. 2. 24·A MRSA §2736·C, sub·§2, ~D, as amended by PL 2001, 
c. 410, Pt. A, §2 and affected by §10, is further amended to read: 
D. 
A carrier may vary 
status, 
occupation or 
under 
the 
following 
percentage bands. 
the premium rate due to age, health 
industry and geographic 
area only 
schedule 
and 
within 
the 
listed 
(1) 
For all policies, contracts or certificates that 
are executed, delivered, issued for delivery, continued 
or renewed in this State between December 1, 1993 and 
July 14, 1994, the premium rate may not deviate above 
or below the community rate filed by the carrier by 
more than 50°-0. 
(2) 
For all policies, contracts or certificates that 
are executed, delivered, issued for delivery, continued 
or renewed in this State between July 15, 1994 and July 
14, 1995, the premium rate may not deviate above or 
below the community rate filed by the carrier by more 
than 33'l-0. 
(3) 
For all policies, contracts or certificates that 
are executed, delivered, issued for delivery, continued 
or 
renewed in this State after July 15, 
1995, 
the 
premium 
rate 
may 
not 
deviate 
above 
or 
below 
the 
community rate filed by the carrier by more than 20°", 
except that a carrier may offer an additional discount 
of 
up 
to 
20% 
of 
the 
premium 
rate 
based 
on 
an 
individual's 
weight 
or 
adherence 
to 
a 
recommended 
schedule for regular physicals. 
With respect to weight 
and regular physicals, the discount must be based on 
the individual's compliance with the American Medical 
Association 
guidelines 
in 
effect 
on 
the 
year 
of 
application or renewal. 
Sec. 3. 24.A MRSA §2808·B, sub.§2, ~B, as amended by PL 1993, 
c. 477, Pt. B, §l and affected by Pt. F, §1, is further amended 
to read: 
B. 
A carrier may not vary the premium rate due to the 
gender, 
heal~h-£~atH6T claims experience or policy duration 
of the eligible group or members of the group. 
A carrier 
may vary the premium rate based on health status only as 
permitted in paragraph D. 
Sec. 4. 24·A MRSA §2808.B, sub·§2, ~D, as amended by PL 2001, 
c. 410, Pt. A, §4 and affected by §10, is further amended to read: 
D. 
A carrier may vary 
status, 
occupation or 
under 
the 
following 
percentage bands. 
the premium rate due to age, health 
industry and geographic area only 
schedule 
and 
within 
the 
listed 
(1) 
For all policies, contracts or certificates that 
are executed, delivered, issued for delivery, continued 
or renewed in this State between July 15, 1993 and July 
14, 1994, the premium rate may not deviate above or 
below the community rate filed by the carrier by more 
than 50 40. 
(2) 
For all policies, contracts or certificates that 
are executed, delivered, issued for delivery, continued 
or renewed in this State between July 15, 1994 and July 
14, 1995, 
the premium rate may not deviate above or 
below the community rate filed by the carrier by more 
than 33 40. 
( 3 ) 
For all policies, contracts or certificates that 
are executed, delivered, issued for delivery, continued 
or 
renewed in this State after July 15, 
1995, 
the 
premium 
rate 
may 
not 
deviate 
above 
or 
below 
community rate filed by the carrier by more than 
except as-~~¥~~€~-~~~~~-g-* that a carrier 
offer 
an additional discount of 
up 
to 
20% 
of 
the 
may 
the 
premium 
rate 
based 
on 
an 
individual's 
weight 
or 
adherence 
to 
a 
recommended 
schedule 
for 
regular 
physicals. 
With 
respect 
to 
weight 
and 
regular 
physicals, 
the 
discount 
must 
be 
based 
on 
the 
individual's 
compliance 
with 
the 
American 
Medical 
Association 
guidelines 
in 
effect 
on 
the 
year 
of 
application or renewal. 
Sec. 5. 24·A MRSA §2808·B, sub·§2, ~D·l, as amended by PL 200l, 
c. 410, Pt. A, §5 and affected by §10, is repealed. 
SUMMARY 
This 
bill 
allows 
health 
insurance 
carriers 
to 
offer 
additional discounts up to 20% based on an individual's weight or 
adherence to a 
recommended schedule for regular physicals for 
individual and small group health insurance policies. 
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