Commonsense Competition and Access to Health Insurance Act
Read twice and referred to the Committee on Health, Education, Labor, and Pensions.
Congressional Research Service
Official summary
Version 00 · Introduced in Senate · Mar 27, 2014
Commonsense Competition and Access to Health Insurance Act - Amends the Patient Protection and Affordable Care Act (PPACA) to permit two or more states to enter into an agreement under which one or more qualified health plans could be offered in small group markets, as well as in the individual markets (as under current law), in all such states.
Directs the Secretary, by December 31, 2014, to request the National Association of Insurance Commissioners (NAIC) to report on health plans provided for under PPACA.
Allows the Secretary also to request NAIC to gather concepts for inclusion in the report from organizations and entities that have experience in offering qualified health plans in states in which those plans were not originally issued.
Showing the opening paragraphs of the official summary.
Read full official summaryShow less
Requires the Secretary, by December 31, 2014, to report to Congress about: (1) how the Secretary may utilize the flexibility provided under PPACA (relating to allowing a regional or interstate exchange) to allow health insurance issuers offering qualified health plans in an Exchange operated by the federal government to offer plans in a state other than the state in which that plan was originally written or issued; and (2) how such an Exchange can be a conduit to forming interstate insurance state compacts.
No related bills are listed in this snapshot. This does not establish whether the proposal has appeared in earlier Congresses.
Source last updated: Aug 12, 2025. Consult Congress.gov for the current record.
AI Conversation Starters
Explore the bill from different angles
Choose a perspective, copy a prompt, and paste it into your preferred AI. Each prompt includes the bill version and available official source links, and asks for counterarguments as well as supporting evidence.
Neutral evidence review
Objective
Analyze S.2174 as objectively as possible. Explain its main provisions, who would be affected, possible benefits and harms, implementation, exceptions, and uncertainties. Present the strongest arguments for and against it, and identify evidence needed to assess its public impact.
View full prompt & sources
Fairness and public impact
Progressive lens
Examine S.2174 through a progressive lens, focusing on fairness, access, economic inequality, and effects on vulnerable communities. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and distinguish stated goals from demonstrated outcomes.
View full prompt & sources
Institutions and government scope
Conservative lens
Examine S.2174 through a conservative lens, focusing on fiscal responsibility, institutional stability, federalism, and the scope of government. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and any provisions that challenge this perspective.
View full prompt & sources
Individual rights and government power
Liberty lens
Examine S.2174 through a civil-liberties and limited-government lens. Consider individual rights, privacy, voluntary choice, accountability, and government power. Explain tradeoffs, possible safeguards, and the strongest counterarguments without assuming the proposal is beneficial or harmful.