§ 505.21 — Health care access — duties of commissioner — penalties

Iowa § 505.21

• Jurisdiction: Iowa
• Title XIII: COMMERCE
• Ch. 505: INSURANCE DIVISION

Text

1. The commissioner shall adopt rules establishing a requirement that an employer
provide access to health care to the employees of the employer. The rules shall provide
that an employer doing business within this state shall offer each employee, at a minimum,
access to health insurance. The requirement contained in this section may be satisfied by
offering any of the following:
a. Health care coverage through an insurer or health maintenance organization
authorized to do business in this state.
b. Access to health benefits through a health benefits plan qualified under the federal
Employee Retirement Income Security Act of 1974.
2. An employer may financially contribute toward the employee’s health benefit plan.
The employer shall offer payroll deduction of employee contributions and direct deposit of
premium payments related to a health insurance purchasing cooperative or other health care
coverage.
3. A violation of this section may be reported to the consumer and legal affairs bureau in
the insurance division. The division may issue, upon a finding that an employer has failed to
offer an employee access to health insurance, any of the following:
a. A cease and desist order instructing the employer to cure the failure and desist from
future violations of this section.
b. An order requiring an employer who has previously been the subject of a cease and
desist order to pay an employee’s reasonable health insurance premiums necessary to
prevent or cure a lapse in health care coverage arising out of the employer’s failure to offer
as required.
c. An order upon the employer assessing the reasonable costs of the division’s
investigation and enforcement action.