reglab/housing_qa huggingface dataset:
MD. Insurance Code Ann. §  27-913 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 9 - Miscellaneous Provisions|Section 27-913 - Discrimination in Specified Diseases or Diagnoses Prohibited

    (a)    This section applies to:        (1)    insurers and nonprofit health service plans that provide hospital, medical, or surgical benefits to individuals or groups on an expense-incurred basis under health insurance policies or contracts that are issued or delivered in the State; and        (2)    health maintenance organizations that provide hospital, medical, or surgical benefits to individuals or groups under contracts that are issued or delivered in the State.    (b)    Unless otherwise provided by law, an entity subject to this section may not make benefits under a policy or contract issued or delivered by the entity in the State for the treatment of a specified disease or diagnosis subject to different copayment amounts, coinsurance, deductibles, annual maximum limits, or lifetime maximum limits than those that apply to all other diseases covered under the policy or contract.
MD. Insurance Code Ann. §  27-914 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 9 - Miscellaneous Provisions|Section 27-914 - Collection of Racial and Ethnic Data; Nondiscrimination

    (a)    This section does not apply to life insurance policies, annuity contracts, long–term care insurance policies, or disability insurance policies.    (b)    An insurer that provides health insurance, a nonprofit health service plan, or a health maintenance organization may not use race or ethnicity data to reject, deny, limit, cancel, refuse to renew, increase the rates of, affect the terms or conditions of, or otherwise affect a health insurance policy or contract.    (c)    The Commissioner may issue an order under §§ 4–113 and 4–114 of this article and §§ 27–501 and 27–505 of this title if the Commissioner finds a violation of this section.
MD. Insurance Code Ann. §  27-915 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 9 - Miscellaneous Provisions|Section 27-915 - Coverage for Organ Transplantation -- Individual With Disability

    (a)    In this section, “organ transplantation” means the transplantation or transfusion of a human body part into the body of another individual for the purpose of treating or curing a medical condition.    (b)    This section applies to:        (1)    insurers and nonprofit health service plans that provide coverage for organ transplantation to individuals or groups on an expense–incurred basis under health insurance policies or contracts that are issued or delivered in the State; and        (2)    health maintenance organizations that provide coverage for organ transplantation to individuals or groups under contracts that are issued or delivered in the State.    (c)    An entity subject to this section may not deny coverage for an organ transplantation solely on the basis of an insured’s or enrollee’s disability.    (d)    This section may not be construed to require an entity subject to this section to provide coverage for an organ transplantation that is not medically necessary.
MD. Insurance Code Ann. §  31-102 (2021)
2021 Maryland Statutes|Insurance|Title 31 - Maryland Health Benefit Exchange|Subtitle 1 - Maryland Health Benefit Exchange|Section 31-102 - Maryland Health Benefit Exchange Established

    (a)    There is a Maryland Health Benefit Exchange.    (b)    (1)    The Exchange is a body politic and corporate and is an instrumentality of the State.        (2)    The Exchange is a public corporation and a unit of State government.        (3)    The exercise by the Exchange of its authority under this subtitle is an essential governmental function.    (c)    The purposes of the Exchange are to:        (1)    reduce the number of uninsured in the State;        (2)    facilitate the purchase and sale of qualified health plans in the individual market in the State by providing a transparent marketplace;        (3)    assist qualified employers in the State in facilitating the enrollment of their employees in qualified health plans in the small group market in the State and in accessing small business tax credits;        (4)    assist individuals in accessing public programs, premium tax credits, and cost–sharing reductions; and        (5)    supplement the individual and small group insurance markets outside of the Exchange.    (d)    Nothing in this subtitle, and no regulation adopted or other action taken by the Exchange under this subtitle, may be construed to:        (1)    preempt or supersede:            (i)    the authority of the Commissioner to regulate insurance business in the State; or            (ii)    the requirements of the Affordable Care Act;        (2)    authorize the Exchange to carry out any function not authorized by the Affordable Care Act; or        (3)    authorize the Exchange to offer any products or services except qualified health plans, qualified dental plans, and qualified vision plans.
MD. Insurance Code Ann. §  31-107.1 (2021)
2021 Maryland Statutes|Insurance|Title 31 - Maryland Health Benefit Exchange|Subtitle 1 - Maryland Health Benefit Exchange|Section 31-107.1 - Trust Account

    (a)    The Board shall establish a trust account to hold premium payments accepted from qualified plan enrollees and small employers by the Exchange on behalf of a carrier under contract or other agreement.    (b)    The trust account may be used only to hold a premium payment until the Exchange transmits the premium payment to the carrier on whose behalf the Exchange accepted the premium payment.    (c)    The Exchange shall maintain separate records of account for each carrier on whose behalf it accepts premium payments.    (d)    The payment of a premium by an enrollee or a small employer to the Exchange is deemed to be a payment to the carrier on whose behalf the Exchange accepted the premium payment.
MD. Insurance Code Ann. §  31-107.2 (2021)
2021 Maryland Statutes|Insurance|Title 31 - Maryland Health Benefit Exchange|Subtitle 1 - Maryland Health Benefit Exchange|Section 31-107.2 - Budget Appropriations

    (a)    (1)    For State fiscal year 2015 and for each State fiscal year thereafter, from the funds received from the distribution of the premium tax under § 6–103.2 of this article, the Governor shall provide an appropriation in the State budget adequate to fully fund the operations of the Exchange.        (2)    (i)    For State fiscal year 2015, the appropriation shall be no less than $10,000,000.            (ii)    For State fiscal year 2021, the appropriation shall be $31,500,000.            (iii)    For each State fiscal year thereafter, the appropriation shall be not less than $35,000,000.    (b)    Funds allocated from the premium tax under subsection (a) of this section to provide the appropriation to the Exchange may be used only for the purpose of funding the operation and administration of the Exchange.    (c)    If, in any State fiscal year, the amount of the allocation from the premium tax is insufficient to meet the actual expenditures incurred for the operation and administration of the Exchange, the Governor may provide an additional appropriation by deficiency appropriation.    (d)    Notwithstanding § 7–304 of the State Finance and Procurement Article, funds allocated to the Exchange under this section that remain unspent at the end of a fiscal year shall revert to the General Fund of the State.
MD. Insurance Code Ann. §  31-109 (2021)
2021 Maryland Statutes|Insurance|Title 31 - Maryland Health Benefit Exchange|Subtitle 1 - Maryland Health Benefit Exchange|Section 31-109 - Interstate Agreements and Memoranda of Understanding

    (a)    Subject to subsection (b) of this section, the Exchange may enter into agreements or memoranda of understanding with another state to:        (1)    develop joint or reciprocal certification processes;        (2)    develop consistency in qualified plans offered across states; and        (3)    coordinate resources for administrative processes necessary to support:            (i)    certification of qualified plans; and            (ii)    other functions of the Exchange.    (b)    Any interstate agreements or memoranda of understanding entered into under subsection (a) of this section shall comply with and advance:        (1)    the purposes and requirements of this subtitle and the Affordable Care Act; and        (2)    the policies and regulations adopted by the Exchange under this subtitle.
MD. Insurance Code Ann. §  31-114 (2021)
2021 Maryland Statutes|Insurance|Title 31 - Maryland Health Benefit Exchange|Subtitle 1 - Maryland Health Benefit Exchange|Section 31-114 - Specific Financial Support for Services Not Required

    (a)    Nothing in this subtitle requires the Maryland Medical Assistance Program or the Maryland Children’s Health Program to provide any specific financial support to the Individual Exchange for the services provided by an Individual Exchange navigator or an Individual Exchange connector entity.    (b)    The financing arrangements between the Individual Exchange, the Maryland Medical Assistance Program, and the Maryland Children’s Health Program shall be governed by a memorandum of agreement between the Exchange and the Maryland Department of Health.
MD. Insurance Code Ann. §  31-117 (2021)
2021 Maryland Statutes|Insurance|Title 31 - Maryland Health Benefit Exchange|Subtitle 1 - Maryland Health Benefit Exchange|Section 31-117 - State Reinsurance Program

    (a)    The Exchange, in consultation with the Commissioner and as approved by the Board, shall establish and implement a State Reinsurance Program:        (1)    to provide reinsurance to carriers that offer individual health benefit plans in the State;        (2)    that meets the requirements of a waiver approved under § 1332 of the Affordable Care Act; and        (3)    that is consistent with State and federal law.    (b)    The State Reinsurance Program shall be designed to mitigate the impact of high–risk individuals on rates in the individual insurance market inside and outside the Exchange.    (c)    (1)    Based on available funds, the Exchange, in consultation with the Commissioner and as approved by the Board, shall establish reinsurance payment parameters for calendar year 2019 and each subsequent calendar year that include:            (i)    an attachment point;            (ii)    a coinsurance rate; and            (iii)    a coinsurance cap.        (2)    The Exchange, in consultation with the Commissioner and as approved by the Board, may alter the parameters established in accordance with paragraph (1) of this subsection as necessary to secure federal approval for a waiver submitted in accordance with § 31–117.1(a) of this subtitle.    (d)    Beginning January 1, 2019, funding for reinsurance in the individual market through the State Reinsurance Program may be made by using:        (1)    any pass–through funds received from the federal government under a waiver approved under § 1332 of the Affordable Care Act;        (2)    any funds designated by the federal government to provide reinsurance to carriers that offer individual health benefit plans in the State; and        (3)    any funds designated by the State to provide reinsurance to carriers that offer individual health benefit plans in the State.    (e)    The implementation of a State Reinsurance Program for reinsurance in the individual market shall be contingent on approval from the U.S. Secretary of Health and Human Services and the U.S. Secretary of the Treasury of a State Innovation Waiver application under § 1332 of the Affordable Care Act.    (f)    On or before January 1, 2019, the Exchange shall adopt regulations implementing the provisions of this section.
MD. Insurance Code Ann. §  31-117.1 (2021)
2021 Maryland Statutes|Insurance|Title 31 - Maryland Health Benefit Exchange|Subtitle 1 - Maryland Health Benefit Exchange|Section 31-117.1 - Submission of Application; Waivers

    (a)    As soon as practicable but not later than July 1, 2018, the Exchange, in consultation with the Commissioner and as approved by the Board, shall submit a State Innovation Waiver application under § 1332 of the Affordable Care Act to establish a program for reinsurance and seek federal pass–through funding.    (b)    On or before December 31, 2018, the Commissioner may waive any notification or other requirements that apply to a carrier under this article in calendar year 2018 due to the implementation of a waiver approved under § 1332 of the Affordable Care Act.
MD. Insurance Code Ann. §  31-118 (2021)
2021 Maryland Statutes|Insurance|Title 31 - Maryland Health Benefit Exchange|Subtitle 1 - Maryland Health Benefit Exchange|Section 31-118 - Funding for Operations of Exchange

    (a)    Beginning January 1, 2014, subject to subsections (b) and (c) of this section, the Exchange may:        (1)    impose user fees, licensing or other regulatory fees, or other assessments that do not exceed reasonable projections regarding the amount necessary to support the operations of the Exchange under this subtitle; or        (2)    otherwise generate funding necessary to support its operations under this subtitle.    (b)    Any fees, assessments, or other funding mechanisms shall be imposed or implemented, to the maximum extent possible, in a manner that is transparent and broad–based.    (c)    Before imposing or altering any fee or assessment established by law, the Exchange shall adopt regulations that specify:        (1)    the persons subject to the fee or assessment;        (2)    the amount of the fee or assessment; and        (3)    the manner in which the fee or assessment will be collected.    (d)    Funds collected through any fees, assessments, or other funding mechanisms:        (1)    shall be deposited in the Fund;        (2)    shall be used only for the purposes authorized under this subtitle; and        (3)    may not be used for staff retreats, promotional giveaways, excessive executive compensation, or promotion of federal or State legislative and regulatory actions.    (e)    The Exchange may not impose fees or assessments authorized under this section in a manner that would provide a competitive disadvantage to health benefit plans operating outside of the Exchange.    (f)    The Exchange shall maintain a website on which it shall publish:        (1)    the average amounts of any fees, assessments, or other payments required by the Exchange;        (2)    the administrative costs of the Exchange; and        (3)    the amount of funds known to be lost through waste, fraud, and abuse.
MD. Insurance Code Ann. §  31-121 (2021)
2021 Maryland Statutes|Insurance|Title 31 - Maryland Health Benefit Exchange|Subtitle 1 - Maryland Health Benefit Exchange|Section 31-121 - State Innovation Waiver

    (a)    The Exchange, in consultation with the Commissioner and as approved by the Board, may submit a State Innovation Waiver application under § 1332 of the Affordable Care Act to allow the State to administer the federal Small Business Health Care Tax Credit to small businesses for monthly premium payments.    (b)    Before applying for a State Innovation Waiver under subsection (a) of this section, the Exchange shall determine whether the State needs to apply for a State Innovation Waiver in order to distribute the federal Small Business Health Care Tax Credit on a monthly basis to eligible employers enrolling in the SHOP Exchange.
MD. Insurance Code Ann. §  31-201 (2021)
2021 Maryland Statutes|Insurance|Title 31 - Maryland Health Benefit Exchange|Subtitle 2 - Maryland Easy Enrollment Health Insurance Program|Section 31-201 - Definitions

    (a)    In this subtitle the following words have the meanings indicated.    (b)    “Advisory Workgroup” means the Maryland Easy Enrollment Health Insurance Program Advisory Workgroup established under § 31–203 of this subtitle.    (c)    “Cost–sharing reduction” means a reduction described in § 1402(c) of the Affordable Care Act.    (d)    “Department” means the Maryland Department of Health.    (e)    “Insurance affordability program” means:        (1)    the Maryland Medical Assistance Program;        (2)    the Maryland Children’s Health Program;        (3)    premium tax credits; or        (4)    cost–sharing reductions.    (f)    “Modified adjusted gross income” has the meaning stated in 42 U.S.C. § 1395r(i)(4)(A).    (g)    “Poverty line” has the meaning stated in 42 U.S.C. § 1397jj(c)(5).    (h)    “Premium tax credits” means the tax credits described in § 36B of the Internal Revenue Code.    (i)    “Proactively contact” means an attempt by the Exchange or the Department to reach an uninsured individual by:        (1)    making multiple attempts to contact the uninsured individual as requested on a State income tax return in accordance with § 2–115(b)(2) of the Tax – General Article;        (2)    if the attempts described in item (1) of this subsection do not successfully reach the uninsured individual or if no specific methods for contacting the uninsured individual were requested, making multiple attempts to contact the uninsured individual through telephonic and electronic means; and        (3)    if the attempts described in items (1) and (2) of this subsection do not successfully reach the uninsured individual to obtain the requested information, sending paper forms or notices to the uninsured individual by mail.    (j)    “Program” means the Maryland Easy Enrollment Health Insurance Program established under § 31–202 of this subtitle.    (k)    “Uninsured individual” means an individual under the age of 65 years who is identified through a State income tax return under § 2–115 of the Tax – General Article as not having minimum essential coverage.
MD. Insurance Code Ann. §  31-202 (2021)
2021 Maryland Statutes|Insurance|Title 31 - Maryland Health Benefit Exchange|Subtitle 2 - Maryland Easy Enrollment Health Insurance Program|Section 31-202 - Maryland Easy Enrollment Health Insurance Program

    (a)    There is a Maryland Easy Enrollment Health Insurance Program.    (b)    The purposes of the Program are to:        (1)    establish a State–based reporting system to provide information about the health insurance status of State residents through the use of State income tax returns to identify uninsured individuals and determine whether an uninsured individual is interested in obtaining minimum essential coverage;        (2)    determine whether an uninsured individual who is interested in obtaining minimum essential coverage qualifies for an insurance affordability program;        (3)    proactively contact an uninsured individual who is interested in obtaining minimum essential coverage to assist in enrolling the uninsured individual in an insurance affordability program and minimum essential coverage; and        (4)    maximize enrollment of eligible uninsured individuals in insurance affordability programs and minimum essential coverage to improve access to care and reduce insurance costs for all residents of the State.    (c)    (1)    The Exchange, the Department, and the Comptroller shall develop and implement systems, policies, and practices that encourage, facilitate, and streamline determination of eligibility for insurance affordability programs and enrollment in minimum essential coverage to achieve the purposes of the Program.        (2)    Except as provided in  § 2–115(d) of the Tax – General Article, the systems, policies, and practices shall be:            (i)    operational on or before January 1, 2020; and            (ii)    available for use by residents of the State when filing a State income tax return for taxable years that begin after December 31, 2018.    (d)    To facilitate the most efficient implementation of the Program, the Exchange, the Comptroller, and the Department may:        (1)    enter into agreements;        (2)    adopt regulations;        (3)    adopt guidelines;        (4)    establish accounts;        (5)    conduct trainings;        (6)    provide public information;        (7)    educate tax preparers; and        (8)    take any other steps as may be necessary to accomplish the purpose of the Program.
MD. Insurance Code Ann. §  31-203 (2021)
2021 Maryland Statutes|Insurance|Title 31 - Maryland Health Benefit Exchange|Subtitle 2 - Maryland Easy Enrollment Health Insurance Program|Section 31-203 - Maryland Easy Enrollment Health Insurance Program Advisory Workgroup

    (a)    The Exchange shall establish a Maryland Easy Enrollment Health Insurance Program Advisory Workgroup to provide ongoing advice regarding the implementation of the Program.    (b)    The Advisory Workgroup shall include representation from:        (1)    the Office of the Comptroller;        (2)    consumer groups;        (3)    employers;        (4)    insurers;        (5)    health care providers;        (6)    navigators or other consumer assisters;        (7)    insurance brokers or agents;        (8)    labor organizations;        (9)    income tax preparers;        (10)    national policy experts; and        (11)    any other organizations or groups selected by the Exchange.    (c)    The Advisory Workgroup shall meet at least once every 6 months.    (d)    This section may not be construed to prevent the Exchange from convening other formal or informal working or advisory groups to facilitate the implementation of the Program.
MD. Insurance Code Ann. §  31-205 (2021)
2021 Maryland Statutes|Insurance|Title 31 - Maryland Health Benefit Exchange|Subtitle 2 - Maryland Easy Enrollment Health Insurance Program|Section 31-205 - Eligibility for Maryland Medical Assistance Program and Maryland Children's Health Program

    (a)    The Exchange or the Department, as applicable, shall make a determination of eligibility, in accordance with  § 31–204 of this subtitle, for the Maryland Medical Assistance Program and, if applicable, the Maryland Children’s Health Program under this section, before determining eligibility for any other insurance affordability program.    (b)    (1)    If an uninsured individual is determined to be eligible for the Maryland Medical Assistance Program or the Maryland Children’s Health Program, the procedures described in this subsection and guidelines established by the Exchange, in consultation with the Department, to implement this subsection shall apply.        (2)    If an uninsured individual fails to select a managed care organization plan within a period of time established by the Exchange, the Department shall assign the uninsured individual to and promptly enroll the uninsured individual in a managed care organization plan.        (3)    Before the Department assigns an uninsured individual to a managed care organization plan, the uninsured individual shall receive:            (i)    advance notice;            (ii)    an opportunity to select another managed care organization plan within the period of time established by the Exchange; and            (iii)    an opportunity to opt out of coverage.