Subtitle C ”Quality Health Insurance Coverage for All Americans” of Title I has following sections.

Sec. 1201. Amendment to the Public Health Service Act.


Sec. 2701. Fair health insurance premiums. 
The sections intends to prevent the unreasonable premiums by insurers.  The bill recommends premium to vary only by individual or family coverage, rating area as established by secretary, age and use of toxicants such as tobbacco.  In the last two cases, the bill also seek to put a limit on the surcharge.

With respect to variability in premiums for different age groups or smokers, HHS secretary is to work with national association of insurance commissioners to establish a band and or ratings according to which an individual or a family insurance premiums can be defined.
Sec. 2702. Guaranteed availability of coverage. Insurer is required to accept every employer and individual in the state insurer is operating coverage.  Insurer may however restrict the enrollment to a special period only barring those life changing events.
Sec. 2703. Guaranteed renewability of coverage. 

 
Sec. 2704. Prohibition of preexisting condition exclusions or other discrimination based on health status.  Insurers are forbidden from excluding anyone for any pre-existing condition. 
Sec. 2705. Prohibiting discrimination against individual participants and beneficiaries based on health status.  The insurer may not prohibit anyone from coverage based on any of the following criteria: health status, medical condition (physical or mental), claims experience, receipt of healthcare, medical history, genetic information, evidence of insurability, disability, or any other health factor determined appropriate by the HHS Secretary.

Bill also talks about wellness programs for promotion of health and disease prevention to be offered by employer.  The wellness programs, as I understand, shall not be used to discrimate in the offering of premium rebates.  The bill encourages participation in membership to fitness center throuhg membership reimbursement, rewarding participation in dagnostic programs without any utilization of the outcome data for premium or policy determination, and other waivers of copayments that encourage preventive care.
Sec. 2706. Non-discrimination in health care.  Healthcare providers can not be discriminated by insurers with respect to program participation as long as the providers is working within the laws of the state.  However, the reimbursement can be based on the quality and other performance metrics.
Sec. 2707. Comprehensive health insurance coverage.  A group insurance plan shall ensure that any annual cost sharing imposed does not exceed the limitations provided in the bill.  Insurers shall provide continuity of coverage to a child transitioning from dependent to independent individual consumer. 
Sec. 2708. Prohibition on excessive waiting periods.  Waiting period can not be more than 90 days.
Sec. 1251. Preservation of right to maintain existing coverage.  An individual must be able to maintain the existing coverage after the enactment of this bill.  Also an individual shall be able to add additional member to their existing insurance plan.  A group insurer shall also allow the new employees to join a plan even after the passage of this bill.

 

Sec. 1252. Rating reforms must apply uniformly to all health insurance issuers and group health plans. 
Sec. 1253.  Effective dates.