The bill would also prohibit insurers from denying insurance to people with "pre-existing conditions."

It would make insurance available to everyone by regulating premiums and prohibiting insurers from refusing people with health problems.

It would prohibit insurers from discriminating against the chronically ill.

The plan would prohibit insurers from passing the costs on to consumers.

The bill would prohibit insurers from discriminating against people with medical problems.

Nine states, for example, prohibit insurers from considering the health status of workers when setting rates for small groups.

The health reform law prohibits insurers from rescinding coverage for individuals who become ill.

Ryan's Law also prohibits insurers from refusing other medical care to children because of their autism.

Some laws prohibit insurers from asking people directly about their sexual orientation.

Some states already have laws that prohibit insurers from denying coverage to sick people or charging them higher rates for a particular product.