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113th Congress, Vote 587; House of Representatives #3350

Keep Your Health Plan Act of 2013

Official Title: To authorize health insurance issuers to continue to offer for sale current individual health insurance coverage in satisfaction of the minimum essential health insurance coverage requirement, and for other purposes.

HR 3350: Keep Your Health Plan Act of 2013
Passed by the House Nov. 15, 2013, 261-157 (12 abstensions).

Synopsis: Under the ACA, individual and small group policies that don’t comply with the ACA’s regulations cannot be sold or renewed after December 31, 2013. This is true both inside and outside the ACA-created exchanges. As a result, many health plans were slated for cancellation in the fall of 2013. President Obama had previously stated that "if you like your health plan, you can keep your health plan" so the policy cancellations created a significant uproar.

Although the title of the bill implies that it would allow people to keep their existing health insurance policies, there is nothing in the legislation that would require health insurance carriers to renew non-ACA-compliant coverage after December 31, 2013. And although the law wouldn’t necessarily mean that people could actually keep their non-compliant health plans in 2014, it would allow carriers the option to sell such coverage to new applicants after December 31, 2013.

This bill would allow health insurance carriers to continue to sell and renew non-ACA-compliant coverage outside of the exchanges in 2014, as long as the plan had been available for sale since at least January 1, 2013. Such plans would be considered grandfathered under the ACA, and would be deemed to provide minimum essential coverage, so their insureds would not be subject to the individual mandate penalty.

Why supporters pushed for this bill

  • Following the disastrous launch of the ACA’s exchanges and the slew of cancellation notices for people with non-ACA-compliant plans, supporters of HR 3350 were eager to find some sort of solution that allowed people the option to avoid the regulations imposed by the ACA.
  • Some supporters of HR 3350 saw it as a way to chip away at the ACA’s regulations and make way for an eventual repeal.
  • People facing higher premiums in the ACA-compliant market would have a chance to keep their old health insurance plan under HR 3350 (although there was no requirement that this be the case), and possibly have lower premiums in 2014 than they would without this legislation.
  • House Speaker John Boehner called HR 3350 "a big, bipartisan statement about the need to make things right." regarding the implementation of the ACA and the President’s promise that people would be able to keep their health plans if they chose to do so.

Why opponents tried to stop the bill

  • Overhauling the insurance industry with new consumer protections was a significant aspect of the ACA. To that end, the law requires that all new individual and small group plans conform to the ACA’s regulations as of January 1, 2014. HR 3350 would allow carriers to continue "business as usual" outside the exchanges in 2014, including medical underwriting, premiums based on gender, and coverage that doesn’t include the ten essential health benefits. Opponents of HR 3350 see this as a serious detriment to consumers.
  • HR 3350 is viewed by some as a step toward repealing the ACA.
  • Many health insurers had already issued policy cancellations when the bill was introduced in late October. It’s unlikely that they would want to go through the administrative challenge of reviving those plans, or that they would want to take the risk of undercutting enrollment in their new ACA-compliant plans by continuing to offer old plans. So the likelihood that people would actually be able to keep their plans – that would otherwise be cancelled – as a result of HR 3350 is slim.
  • The day before the House voted on HR 3350, the Obama Administration announced a transitional relief measure that allowed non-grandfathered plans to remain in force in 2014. The HHS proposal left the final decision up to each state, and it did not allow for the sale of non-compliant plans after December 31, 2013. But in terms of allowing people to keep their existing health plans, it essentially eliminated the need for HR 3350.
11/15/2013 Status: House passed

More: select a member to see his or her other key health care votes.

Yes (261)
R Don Young AK
R Robert Aderholt AL
R Spencer Bachus AL
R Mo Brooks AL
R Martha Roby AL
R Mike Rogers AL
R Tom Cotton AR
R Eric Crawford AR
R Tim Griffin AR
R Steve Womack AR
D Ron Barber AZ
R Trent Franks AZ
R Matt Salmon AZ
R David Schweikert AZ
D Kyrsten Sinema AZ
D Ami Bera CA
D Julia Brownley CA
R Ken Calvert CA
R Paul Cook CA
D Jim Costa CA
R Jeff Denham CA
D John Garamendi CA
R Duncan Hunter CA
R Darrell Issa CA
R Doug LaMalfa CA
R Kevin McCarthy CA
R Tom McClintock CA
R Howard McKeon CA
D Jerry McNerney CA
R Gary Miller CA
R Devin Nunes CA
D Scott Peters CA
R Dana Rohrabacher CA
R Edward Royce CA
D Raul Ruiz CA
R David Valadao CA
R Mike Coffman CO
R Cory Gardner CO
R Doug Lamborn CO
R Scott Tipton CO
D Elizabeth Esty CT
R Gus Bilirakis FL
R Vern Buchanan FL
R Ander Crenshaw FL
R Ron DeSantis FL
R Mario Diaz-Balart FL
D Joe Garcia FL
R John Mica FL
R Jeff Miller FL
D Patrick Murphy FL
R Richard Nugent FL
R Bill Posey FL
R Trey Radel FL
R Thomas Rooney FL
R Ileana Ros-Lehtinen FL
R Dennis Ross FL
R Steve Southerland FL
R Daniel Webster FL
R Ted Yoho FL
D John Barrow GA
R Doug Collins GA
R Phil Gingrey GA
R Tom Graves GA
R Jack Kingston GA
R Tom Price GA
R Austin Scott GA
R Lynn Westmoreland GA
R Rob Woodall GA
D Bruce Braley IA
R Steve King IA
R Tom Latham IA
D David Loebsack IA
R Raúl Labrador ID
R Michael Simpson ID
D Cheri Bustos IL
R Rodney Davis IL
D Tammy Duckworth IL
D William Enyart IL
D Bill Foster IL
R Randy Hultgren IL
R Adam Kinzinger IL
R Peter Roskam IL
D Bradley Schneider IL
R Aaron Schock IL
R John Shimkus IL
R Susan Brooks IN
R Larry Bucshon IN
R Luke Messer IN
R Todd Rokita IN
R Marlin Stutzman IN
R Jackie Walorski IN
R Todd Young IN
R Tim Huelskamp KS
R Lynn Jenkins KS
R Mike Pompeo KS
R Kevin Yoder KS
R Garland Barr KY
R Brett Guthrie KY
R Harold Rogers KY
R Ed Whitfield KY
R Charles Boustany LA
R Bill Cassidy LA
R John Fleming LA
R Steve Scalise LA
R Andy Harris MD
R Justin Amash MI
R Dan Benishek MI
R Kerry Bentivolio MI
R Dave Camp MI
R Bill Huizenga MI
R Candice Miller MI
D Gary Peters MI
R Mike Rogers MI
R Fred Upton MI
R Tim Walberg MI
R Michele Bachmann MN
R John Kline MN
D Richard Nolan MN
R Erik Paulsen MN
D Collin Peterson MN
D Timothy Walz MN
R Sam Graves MO
R Vicky Hartzler MO
R Billy Long MO
R Blaine Luetkemeyer MO
R Jason Smith MO
R Ann Wagner MO
R Gregg Harper MS
R Alan Nunnelee MS
R Steven Palazzo MS
R Steve Daines MT
R Howard Coble NC
R Renee Ellmers NC
R Virginia Foxx NC
R George Holding NC
R Richard Hudson NC
R Patrick McHenry NC
D Mike McIntyre NC
R Mark Meadows NC
R Robert Pittenger NC
R Kevin Cramer ND
R Jeff Fortenberry NE
R Adrian Smith NE
R Lee Terry NE
D Ann Kuster NH
D Carol Shea-Porter NH
R Rodney Frelinghuysen NJ
R Scott Garrett NJ
R Leonard Lance NJ
R Frank LoBiondo NJ
R Jon Runyan NJ
R Christopher Smith NJ
R Stevan Pearce NM
R Mark Amodei NV
R Joseph Heck NV
D Timothy Bishop NY
R Chris Collins NY
R Christopher Gibson NY
R Michael Grimm NY
R Richard Hanna NY
R Peter King NY
D Daniel Maffei NY
D Sean Maloney NY
D William Owens NY
R Tom Reed NY
R Steve Chabot OH
R Bob Gibbs OH
R Bill Johnson OH
R Jim Jordan OH
R David Joyce OH
R Robert Latta OH
R James Renacci OH
R Steve Stivers OH
R Patrick Tiberi OH
R Michael Turner OH
R Brad Wenstrup OH
R Tom Cole OK
R James Lankford OK
R Frank Lucas OK
R Markwayne Mullin OK
D Peter DeFazio OR
D Kurt Schrader OR
R Greg Walden OR
R Lou Barletta PA
R Charles Dent PA
R Michael Fitzpatrick PA
R Jim Gerlach PA
R Mike Kelly PA
R Tom Marino PA
R Patrick Meehan PA
R Tim Murphy PA
R Scott Perry PA
R Joseph Pitts PA
R Keith Rothfus PA
R Bill Shuster PA
R Glenn Thompson PA
R Jeff Duncan SC
R Trey Gowdy SC
R Mick Mulvaney SC
R Tom Rice SC
R Marshall Sanford SC
R Joe Wilson SC
R Kristi Noem SD
R Diane Black TN
R Marsha Blackburn TN
R Scott DesJarlais TN
R John Duncan TN
R Stephen Fincher TN
R Charles Fleischmann TN
R David Roe TN
R Joe Barton TX
R Kevin Brady TX
R Michael Burgess TX
R John Carter TX
R K. Conaway TX
R John Culberson TX
R Blake Farenthold TX
R Bill Flores TX
D Pete Gallego TX
R Louie Gohmert TX
R Jeb Hensarling TX
R Sam Johnson TX
R Kenny Marchant TX
R Michael McCaul TX
R Randy Neugebauer TX
R Pete Olson TX
R Ted Poe TX
R Pete Sessions TX
R Lamar Smith TX
R Steve Stockman TX
R Mac Thornberry TX
D Filemon Vela TX
R Randy Weber TX
R Roger Williams TX
R Rob Bishop UT
R Jason Chaffetz UT
D Jim Matheson UT
R Chris Stewart UT
R Eric Cantor VA
R J. Forbes VA
R Bob Goodlatte VA
R H. Griffith VA
R Robert Hurt VA
R Edward Rigell VA
R Robert Wittman VA
R Frank Wolf VA
D Suzan DelBene WA
R Doc Hastings WA
R J. Herrera Beutler WA
R C. McMorris Rodgers WA
R David Reichert WA
R Sean Duffy WI
D Ron Kind WI
R Thomas Petri WI
R Reid Ribble WI
R Paul Ryan WI
R F. Sensenbrenner WI
R Shelley Capito WV
R David McKinley WV
D Nick Rahall WV
R Cynthia Lummis WY
No (157)
Our pick
D Terri Sewell AL
D Raúl Grijalva AZ
D Ann Kirkpatrick AZ
D Ed Pastor AZ
D Karen Bass CA
D Lois Capps CA
D Judy Chu CA
D Susan Davis CA
D Anna Eshoo CA
D Sam Farr CA
D Janice Hahn CA
D Michael Honda CA
D Jared Huffman CA
D Barbara Lee CA
D Zoe Lofgren CA
D Alan Lowenthal CA
D Doris Matsui CA
D Grace Napolitano CA
D G. Negrete McLeod CA
D Nancy Pelosi CA
D L. Roybal-Allard CA
D Linda Sánchez CA
D Loretta Sanchez CA
D Adam Schiff CA
D Brad Sherman CA
D Jackie Speier CA
D Eric Swalwell CA
D Mark Takano CA
D Mike Thompson CA
D Juan Vargas CA
D Maxine Waters CA
D Henry Waxman CA
D Diana DeGette CO
D Ed Perlmutter CO
D Jared Polis CO
D Joe Courtney CT
D Rosa DeLauro CT
D James Himes CT
D John Larson CT
D John Carney DE
D Corrine Brown FL
D Kathy Castor FL
D Theodore Deutch FL
D Lois Frankel FL
D Alan Grayson FL
D Alcee Hastings FL
D D. Wasserman Schultz FL
D Frederica Wilson FL
D Sanford Bishop GA
R Paul Broun GA
D Henry Johnson GA
D John Lewis GA
D David Scott GA
D Tulsi Gabbard HI
D Colleen Hanabusa HI
D Danny Davis IL
D Luis Gutiérrez IL
D Robin Kelly IL
D Daniel Lipinski IL
D Mike Quigley IL
D Janice Schakowsky IL
D André Carson IN
D Peter Visclosky IN
R Thomas Massie KY
D John Yarmuth KY
D Cedric Richmond LA
D Michael Capuano MA
D William Keating MA
D Joseph Kennedy MA
D Stephen Lynch MA
D James McGovern MA
D Richard Neal MA
D John Tierney MA
D Elijah Cummings MD
D John Delaney MD
D Donna Edwards MD
D Steny Hoyer MD
D C. Ruppersberger MD
D John Sarbanes MD
D Chris Van Hollen MD
D Michael Michaud ME
D Chellie Pingree ME
D John Conyers MI
D John Dingell MI
D Daniel Kildee MI
D Sander Levin MI
D Keith Ellison MN
D Betty McCollum MN
D Wm. Clay MO
D Emanuel Cleaver MO
D Bennie Thompson MS
D George Butterfield NC
D David Price NC
D Melvin Watt NC
D Robert Andrews NJ
D Rush Holt NJ
D Frank Pallone NJ
D Bill Pascrell NJ
D Donald Payne NJ
D Ben Luján NM
D M. Lujan Grisham NM
D Steven Horsford NV
D Dina Titus NV
D Yvette Clarke NY
D Joseph Crowley NY
D Eliot Engel NY
D Brian Higgins NY
D Steve Israel NY
D Hakeem Jeffries NY
D Nita Lowey NY
D Carolyn Maloney NY
D Gregory Meeks NY
D Grace Meng NY
D Jerrold Nadler NY
D Charles Rangel NY
D José Serrano NY
D Louise Slaughter NY
D Paul Tonko NY
D Nydia Velázquez NY
D Joyce Beatty OH
D Marcia Fudge OH
D Marcy Kaptur OH
D Tim Ryan OH
R Jim Bridenstine OK
D Earl Blumenauer OR
D Suzanne Bonamici OR
D Robert Brady PA
D Matthew Cartwright PA
D Michael Doyle PA
D Chaka Fattah PA
D Allyson Schwartz PA
D David Cicilline RI
D James Langevin RI
D James Clyburn SC
D Steve Cohen TN
D Jim Cooper TN
D Joaquin Castro TX
D Henry Cuellar TX
D Lloyd Doggett TX
D Al Green TX
R Ralph Hall TX
D Rubén Hinojosa TX
D Sheila Jackson Lee TX
D Eddie Johnson TX
D Beto O’Rourke TX
D Marc Veasey TX
D Gerald Connolly VA
D James Moran VA
D Robert Scott VA
D Peter Welch VT
D Denny Heck WA
D Derek Kilmer WA
D Rick Larsen WA
D Jim McDermott WA
D Adam Smith WA
D Gwen Moore WI
D Mark Pocan WI
Not Voting (12)
R Paul Gosar AZ
D Xavier Becerra CA
R John Campbell CA
D Tony Cárdenas CA
D George Miller CA
D Bobby Rush IL
D Niki Tsongas MA
R Walter Jones NC
D Albio Sires NJ
D Carolyn McCarthy NY
R Kay Granger TX
D Gene Green TX