National Health Insurance Act (660)

ACTION by the General Assembly on ## MONTH ### - ## Aye, ## Nay, ## Abstain.
An act to establish universal health insurance and require all citizens of Kodiak to purchase or enroll in medical insurance.

Article I - Definitions

1.1 Medical insurance is defined as any benefits consisting of medical care, provided directly, through insurance or reimbursement, or otherwise and including items and services paid for as medical care provided by any hospital or healthcare provider.

1.2 A medical insurance provider (MIP) is defined as any organization that provides subscribers with partial or full medical insurance.

Article II - Insurance Mandate

2.1 All citizens and permanent residents of the Serene Republic of Kodiak are required to enroll in medical insurance.

2.1.1 Any citizen not enrolled in medical insurance shall be subject to a fine of 1000 florins or 2.5% of their personal income, whichever is greater.

2.2 It shall be prohibited for any MIP to discriminate against an individual based on race, ethnicity, gender, age, or any current or past medical condition.

2.3 All MIPs must provide medical insurance that covers up to sixty percent of all medical costs included in the medical insurance plan.

2.4 Any employer with more than fifty (50) employees must offer subsidized healthcare plans to their full-time employees, as defined by the Labour Act (Inter), in addition to their salary. Employees are not required to accept any employer-offered healthcare plans.

2.4.1 Any employer who fails to offer a healthcare plan within six months of reaching the fifty (50) employee threshold shall be subject to fines up to 10,000 florins or 2.5% of their total annual income, whichever is greater.

2.4.2 Any employer who meets the aforementioned criteria may opt to pay a fifteen percent National Healthcare Tax on their total income, which shall be issued to the KNHIS.

2.5 Permanent residents of the Serene Republic of Kodiak with national healthcare provided by their country of origin may continue to keep their national healthcare, provided that a system of reciprocity exists between both nations.

Article III - Kodiak National Health Insurance System

3.1 The Ministry of Health and Education will establish the Kodiak National Health Insurance System (KNHIS) which shall provide free medical insurance to any citizen or permanent resident of the Serene Republic of Kodiak.

3.2 National Health Insurance will be accepted at any medical facility that offers services covered by National Health Insurance.

3.2.1 The KNHIS will maintain a list of medical services covered by the system. The KNHIS will be held under the same requirements to offer services as any other MIP.

3.2.2 The KNHIS must cover any procedure meant to treat, address, or provide remediation for any sickness, physical disorder, bodily injury, workplace injury not covered by workers' compensation, womens' health, obstetrics, vaccinations, childrens' health emergency and medically necessary elective surgery, and emergency mental health needs. This list is not exclusive and represents only the permanently required items covered by the KNHIS.

3.3 The KNHIS will cover up to seventy-five percent of all costs for medical procedures included in the KNHIS. The KNHIS may elect to cover up to one hundred perfect of all costs for medical procedures included in the KNHIS. Any individual covered by the KNHIS who is unable to cover the costs associated with the National Health Insurance's coverage of a medical procedure will automatically qualify for full coverage.

Article IV - Funding

4.1 The KNHIS will be provided with 32,875,000 florins per fiscal quarter for the funding of Kodiak National Health Insurance System.

4.1.1 Any and all fines collected by the KNHIS will be issued to the KNHIS in addition to its allocated funding.

4.2 The National Health Tax will be implemented for all citizens and permanent residents at three percent for income taxed at 35% or lower, according to the Individual Income Tax Act (630), not including any income not taxed.

4.3 The National Health Tax will be implemented for all citizens and permanent residents at five percent for income taxed at 35% to 49%, according to the Individual Income Tax Act (630).

4.4 The National Health Tax will be implemented for all citizens and permanent residents at twelve percent for income taxed at more than 49%, according to the Individual Income Tax Act (630).

Tabled by Braughn F.G. Kryos, MGA