An Act To Make Individual and Small Group Health Insurance More Affordable in Certain High-premium Counties
Maine Legislature, Session 130, LD 1331
Committee Amendment CA_A_S487 (Senate)
Amends: 24-A MRSA §2736-C, 24-A MRSA §2808-B

COMMITTEE AMENDMENT "I}" to S.P. 428, L.D. 1331, "An Act To Make 
Individual and Small Group Health Insurance More Affordable in Certain High-premium 
Counties" 
Amend the bill by striking out everything after the enacting clause and inserting the 
following: 
'Sec. 1. 24-A MRSA §2736-C, sub-§2, 1C-1, as enacted by PL 2011, c. 90, Pt. A, 
§2, is amended to read: 
C-1. A carrier may vary the premium rate due to geographic area in accordance with 
the limitation set out in this paragraph. For all policies, contracts or certificates that 
are executed, delivered, issued for delivery, continued or renewed in this State 0ii--ef 
after between July 1, 2012 and December 31, 2023, the rating factor used by a carrier 
for geographic area may not exceed 1.5. For all policies, contracts or certificates that 
are executed, delivered, issued for delivery, continued or renewed in this State on or 
after January 1, 2024, the rating factor used by a carrier for geographic area may not 
exceed 1.25. 
Sec. 2. 24-A MRSA §2808-B, sub-§2, 1C-1, as enacted by PL 2011, c. 90, Pt. A, 
§7, is amended to read: 
C-1. A carrier may vary the premium rate due to geographic area in accordance with 
the limitation set out in this paragraph. For all policies, contracts or certificates that 
are executed, delivered, issued for delivery, continued or renewed in this State en-eF 
after between October 1, 2011 and December 31, 2023, the rating factor used by a 
carrier for geographic area may not exceed 1.5. For all policies, contracts or certificates 
that are executed, delivered, issued for delivery, continued or renewed in this State on 
or after January 1, 2024, the rating factor used by a carrier for geographic area may not 
3 
exceed 1.25. 
Sec. 3. 
Report on effect on health insurance premiums. No later than 
December 1, 2023, the Superintendent of Insurance shall report on the difference in 
premium rates in each geographic rating area used by a carrier in this State between plan 
COMMITTEE AMENDMENT 
COMMITTEE AMENDMENT" A" to S.P. 428, L.D. 1331 { s-~ 8'v 
year 2023 and the approved premium rates for plan year 2024. The superintendent shall 
submit the report to the joint standing committee of the Legislature having jurisdiction over 
health coverage, insurance and fmancial services matters. The joint standing committee of 
the Legislature having jurisdiction over health coverage, insurance and fmancial services 
matters may report out legislation based on the report to the Second Regular Session of the 
131st Legislature in 2024.' 
Amend the bill by relettering or renumbering any nonconsecutive Part letter or section 
number to read consecutively. 
SUMMARY 
This amendment replaces the bill. The amendment reduces the maximum rating factor 
for geographic area that may be used by carriers to determine individual and small group 
health insurance premiums to 1.25 for plan year 2024 and thereafter. Under current law, 
the maximum rating factor due to geographic area is 1.5. 
The amendment also requires the Superintendent of Insurance to report, no later than 
December 1, 2023, on the difference in premium rates in each geographic rating area used 
by a carrier in this State to the joint standing committee of the Legislature having 
jurisdiction over health coverage, insurance and fmancial services matters for plan years 
2023 and 2024. The joint standing committee of the Legislature having jurisdiction over 
health coverage, insurance and financial services matters may report out legislation based 
on the report to the Second Regular Session of the 131st Legislature in 2024. 
FISCAL NOTE REQUIRED 
(See attached) 
COMMITTEE AMENDMENT 
Approved: 03/29/22 feae. 
LD 1331 
LR 1170(02) 
An Act To Make Individual and Small Group Health Insurance More Affordable in Certain High-
premium Counties 
Fiscal Detail and Notes 
Fiscal Note for Bill as Amended by Committee Amendment 'ff' ( S-Y 87) 
Committee: Health Coverage, Insurance and Financial Services 
Fiscal Note Required: Yes 
Fiscal Note 
Minor cost increase - Other Special Revenue Funds 
Any additional cost to the Bureau of Insurance in the Department of Professional and Financial Regulation is expected 
to be minor and can be absorbed within existing budgeted resources. 
LRl 170(02) - Fiscal Note - Page 1 of 1