42 U.S.C. § 18044: Level playing field

42 U.S.C. 18044: Level playing fieldText contains those laws in effect through Public Law 119-120 (October 7, 2026).

From Title 42-THE PUBLIC HEALTH AND WELFARECHAPTER 157-QUALITY, AFFORDABLE HEALTH CARE FOR ALL AMERICANS

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§18044. Level playing field

(a) In general

Notwithstanding any other provision of law, any health insurance coverage offered by a private health insurance issuer shall not be subject to any Federal or State law described in subsection (b) if a qualified health plan offered under the Consumer Operated and Oriented Plan program under section 18042 of this title, or a multi-State qualified health plan under section 18054 of this title, is not subject to such law.

(b) Laws described

The Federal and State laws described in this subsection are those Federal and State laws relating to⁠—

(1) guaranteed renewal;

(2) rating;

(3) preexisting conditions;

(4) non-discrimination;

(5) quality improvement and reporting;

(6) fraud and abuse;

(7) solvency and financial requirements;

(8) market conduct;

(9) prompt payment;

(10) appeals and grievances;

(11) privacy and confidentiality;

(12) licensure; and

(13) benefit plan material or information.

( Pub. L. 111–148, title I, § 1324 , title X, § 10104(n), Mar. 23, 2010 , 124 Stat. 199 , 902.)

Editorial Notes

Amendments

2010⁠—Subsec. (a). Pub. L. 111–148, § 10104(n), substituted “, or a multi-State qualified health plan under section 18054 of this title” for “, a community health insurance option under section 18043 of this title, or a nationwide qualified health plan under section 18053(b) of this title”.