SB483 Alabama 2012 Session

Summary

Primary Sponsor

Roger Bedford, Jr.

Democrat

Session

Regular Session 2012

Title

Insurance, Title 27, certain sections, repealed

Summary

SB483 would repeal portions of Title 27 (Insurance) of the Alabama Code, removing certain health benefit plan rules and protections for public-safety personnel regarding auto-insurance premiums.

What This Bill Does

If enacted, the bill repeals sections 27-1-21 through 27-1-23 of Title 27. This would eliminate the definitions of enrollee and health benefit plan, remove requirements for uniform cost-sharing across drug prescriptions within a plan, lift the drug-quantity limits that must be uniform, discontinue the requirement for uniform prescription drug information cards, and end the auto-insurance premium protection for law enforcement and volunteer responders. Consequently, health plans could have more flexibility on cost-sharing, there would be no mandated uniform prescription drug cards, and the specific premium protections for certain public-safety personnel would no longer apply. The repeal would take effect immediately after the bill becomes law.

Who It Affects

• Health benefit plans and insurers operating in Alabama, who would no longer be required to apply uniform coinsurance, copayments, deductibles, or uniform drug quantity limits across plan groups and would no longer be required to issue standardized prescription drug information cards.
• Plan enrollees and insured individuals, who may experience changes in how prescription drugs are priced and how drug information is presented on cards.
• Public safety personnel (e.g., full-time law enforcement officers, firefighters, and volunteers) and their auto insurers, who would lose the specific protection that accidents do not automatically raise premiums in certain conditions.

Key Provisions

• Repeal of 27-1-21, including definitions of enrollee and health benefit plan and related scope of applicability for health plans.
• Repeal of 27-1-21(b) which required uniform coinsurance, copayments, deductibles, and drug quantity limits across a plan group.
• Repeal of 27-1-21(c) which restricted drug quantity limits to be uniform across providers.
• Repeal of 27-1-22 which required health benefit plans to issue uniform prescription drug information cards and update them with changes.
• Repeal of 27-1-23 which protected certain public-safety personnel from auto-insurance premium increases after crashes under specified conditions.

AI-generated summary using openai/gpt-5-nano on Feb 25, 2026. May contain errors — refer to the official bill text for accuracy.

Subjects

Insurance