00                            SENATE BILL NO. 11                                                                          
01 "An Act relating to health care insurance coverage of a dependent child who is less than                                
02 26 years of age and making a conforming age amendment in the statute describing                                         
03 health insurance policies that may be delivered or issued in this state."                                               
04 BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF ALASKA:                                                                
05    * Section 1. AS 21.42.345 is amended by adding a new subsection to read:                                           
06            (e)  A health care insurer who provides health care insurance coverage for                                   
07       dependent children shall, on request by the insured, enroll a dependent child of the                              
08       insured who is less than 26 years of age and may not disenroll or eliminate coverage                              
09       for a dependent child who is less than 26 years of age unless the insured requests that                           
10       the dependent child be disenrolled or that coverage be eliminated. In this subsection,                            
11       "dependent child" means a child who                                                                               
12                 (1)  is related to the insured by blood or by law, including an adopted                                 
13       child or a minor for whom a guardian has been appointed solely because of minority;                               
14                 (2)  is unmarried;                                                                                      

01                 (3)  is financially dependent on the insured;                                                           
02                 (4)  does not have a dependent;                                                                         
03                 (5)  is enrolled as a full-time student at an institution of higher                                     
04       education accredited by the regional or national accrediting agencies recognized by the                           
05       Council for Higher Education Accreditation or the United States Department of                                     
06       Education; and                                                                                                    
07                 (6)  is not insured under another health care insurance policy or                                       
08       contract or under a federal or state health care program.                                                         
09    * Sec. 2. AS 21.51.020 is amended to read:                                                                         
10            Sec. 21.51.020. Scope, format of policy. A policy of health insurance may not                              
11       be delivered or issued for delivery to a person in this state unless it otherwise complies                        
12       with this title, and complies with the following:                                                                 
13                 (1)  the entire money and other considerations must be expressed in the                                 
14       policy;                                                                                                           
15                 (2)  the time the insurance takes effect and terminates must be                                         
16       expressed in the policy;                                                                                          
17                 (3)  it must insure only one person, except that a policy may insure,                                   
18       originally or by subsequent amendment, upon the application of an adult member of a                               
19       family, who shall be considered the policyholder, any two or more eligible members                                
20       of that family, including husband, wife, dependent children, or any children under a                              
21       specified age, which may [SHALL] not exceed 26 [23] years, and any other person                           
22       dependent upon the policyholder;                                                                                  
23                 (4)  the style, arrangement, and over-all appearance of the policy must                                 
24       give no undue prominence to any portion of the text, and every printed portion of the                             
25       text of the policy and of endorsements or attached papers must be plainly printed in                              
26       light-faced type of a style in general use, the size of which must be uniform and not                             
27       less than 10 point with a lower case unspaced alphabet length not less than 120 point;                            
28       in this paragraph, text includes all printed matter except the name and address of the                            
29       insurer, name or title of the policy, the brief description, if any, and captions and                             
30       subcaptions;                                                                                                      
31                 (5)  the exceptions and reductions of indemnity must be set out in the                                  

01       policy and, other than those contained in AS 21.51.040 - 21.51.260, must be printed, at                           
02       the insurer's option, either included with the benefit provision to which they apply, or                          
03       under an appropriate caption such as "Exceptions," or "Exceptions and Reductions,"                                
04       except that if an exception or reduction specifically applies only to a particular benefit                        
05       of the policy, a statement of the exception or reduction must be included with the                                
06       benefit provision to which it applies;                                                                            
07                 (6)  each form, including riders and endorsements, must be identified                                   
08       by a form number in the lower left-hand corner of the first page;                                                 
09                 (7)  the policy may not contain a provision making a portion of the                                     
10       charter, rules, constitution, or bylaws of the insurer a part of the policy unless the                            
11       portion is set out in full in the policy; this paragraph does not apply to the                                    
12       incorporation of, or reference to, a statement of rates or classification of risks, or short-                     
13       rate table filed with the director.