42 U.S.C. § 300gg–9 — Disclosure of information

(a) Disclosure of information by health plan issuers: When offering health coverage to a small employer or an individual, an insurer must (1) make a reasonable disclosure, in its solicitation and sales materials, that the information described in subsection (b) is available, and (2) actually provide that information if the employer or individual requests it. (b) Information described (1) In general: Subject to paragraph (3), this information covers, for the employer or individual: (A) the insurer's right to change premium rates, and what factors can affect those changes; and (B) the benefits and premiums available under all coverage the employer or individual is qualified for. (2) Form of information: The insurer must give this information in a way the average employer or individual can understand, and it must be enough to reasonably inform them of their rights and duties under the coverage. (3) Exception: The insurer doesn't have to disclose information that's proprietary and a trade secret under applicable law.