# 115-hr-3450: Protecting Consumers from Unreasonable Rates Act

115-hr-3450, Protecting Consumers from Unreasonable Rates Act, is a 115th Congress bill sponsored by Rep. Schakowsky, Janice D. [D-IL-9] (D-IL); status Referred to the Subcommittee on Health. (as of 2025-11-18).

- Canonical: https://policyrisk.com/legislation/115-hr-3450
- As of: 2025-11-18
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 115-hr-3450
- Congress: 115
- Title: Protecting Consumers from Unreasonable Rates Act
- Status: Referred to the Subcommittee on Health.
- Introduced: 2017-07-27
- Sponsor: Rep. Schakowsky, Janice D. [D-IL-9] (D-IL)
- Cosponsors: 5
- Policy area: Health
- Touches household money: no
- Last recorded action: 2025-11-18

## Summary

Protecting Consumers from Unreasonable Rates Act This bill amends the Public Health Service Act to declare that the review by the Department of Health and Human Services (HHS) of unreasonable increases in health care coverage premiums does not prohibit a state from imposing on health insurers additional rate requirements that are more protective of consumers. The HHS review, which currently covers only premium increases, is expanded to include all rate increases. HHS or the relevant state agency must ensure that any excessive, unjustified, or unfairly discriminatory rates are corrected before, or as soon as possible after, implementation, including through mechanisms such as denying rates, modifying rates, or requiring rebates to consumers. HHS may apply civil monetary penalties to health insurers that fail to comply with a corrective action taken by HHS and may make the plan involved ineligible for classification as a qualified health plan. (Qualified health plans are sold on health insurance exchanges, are the only plans eligible for premium subsidies, and fulfill an individual's requirement to maintain minimum essential coverage.) HHS must determine whether HHS or the state will undertake the corrective actions based on whether the state can adequately undertake the actions. This bill applies to health plans grandfathered under the Patient Protection and Affordable Care Act.

## Cosponsors (5)

- Rep. Deutch, Theodore E. [D-FL-22] (D-FL), 2017-07-27T00:00:00.000Z
- Del. Norton, Eleanor Holmes [D-DC-At Large] (D-DC), 2017-07-27T00:00:00.000Z
- Rep. Grijalva, Raúl M. [D-AZ-7] (D-AZ), 2017-07-27T00:00:00.000Z
- Rep. Pocan, Mark [D-WI-2] (D-WI), 2017-07-27T00:00:00.000Z
- Rep. Lujan Grisham, Michelle [D-NM-1] (D-NM), 2017-07-27T00:00:00.000Z

## Related bills

- 115-hr-6643: Untraceable Firearms Act of 2018
- 115-hr-6545: Violence Against Women Reauthorization Act of 2018
- 115-hr-6510: Restore Our Parks and Public Lands Act
- 115-hr-6239: DISCLOSE Act of 2018
- 115-hr-6193: Central America Family Protection and Reunification Act
- 115-hr-6135: Keep Families Together Act

## Sources
- [115-hr-3450 on Congress.gov](https://www.congress.gov/bill/115th-congress/house-bill/3450)

## Related
- [115-hr-6643: Untraceable Firearms Act of 2018](https://policyrisk.com/legislation/115-hr-6643)
- [115-hr-6545: Violence Against Women Reauthorization Act of 2018](https://policyrisk.com/legislation/115-hr-6545)
- [115-hr-6510: Restore Our Parks and Public Lands Act](https://policyrisk.com/legislation/115-hr-6510)
- [115-hr-6239: DISCLOSE Act of 2018](https://policyrisk.com/legislation/115-hr-6239)
- [115-hr-6193: Central America Family Protection and Reunification Act](https://policyrisk.com/legislation/115-hr-6193)
- [115-hr-6135: Keep Families Together Act](https://policyrisk.com/legislation/115-hr-6135)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/115-hr-3450 (as of 2025-11-18).