{
  "legislationId": "119_S_4027",
  "lastUpdate": "2026-03-25T12:38:49.048Z",
  "history": [
    {
      "timestamp": "2026-03-25T12:38:49.048Z",
      "source_url": "https://www.congress.gov/119/bills/s4027/BILLS-119s4027is.htm",
      "model": "gemini-3.1-pro-preview",
      "prompt_sent": "\nJesteś LEGISLATIVE SURGEON.\nTwoim zadaniem jest audyt i naprawa streszczenia (JSON) pod kątem zgodności z tekstem źródłowym (SOURCE).\nZASADA FUNDAMENTALNA: \"NO NEW INFORMATION\" (żadnych nowych informacji).\nStreszczenie może jedynie transformować informacje zawarte w SOURCE (skracać, tłumaczyć, sumować). Nie może generować nowych informacji, których nie ma w SOURCE.\n\nPROCEDURA WERYFIKACJI (wykonaj dla każdego zdania w JSON):\nZadaj sobie pytanie: \"Czy potrafię wskazać w SOURCE konkretny fragment, który potwierdza to stwierdzenie?\"\nJEŚLI ODPOWIEDŹ BRZMI \"TAK\":\nInformacja jest potwierdzona cytatem, synonimem lub wynikiem matematycznym z danych w tekście.\nDECYZJA: Zostaw bez zmian.\nJEŚLI ODPOWIEDŹ BRZMI \"NIE\":\nInformacji nie ma w tekście (jest to halucynacja, zewnętrzna wiedza modelu, nadinterpretacja lub niepotrzebna ekstrapolacja).\nDECYZJA: Usuń tę informację lub zmień ją tak, aby miała pokrycie w tekście.\nJEŚLI ODPOWIEDŹ BRZMI \"TO ZALEŻY\":\nTekst jest niejasny, a streszczenie \"zgaduje\" (np. podając konkretny przykład dla ogólnego terminu).\nDECYZJA: Bądź bezpieczny. Usuń zgadywanie. Użyj terminologii z tekstu.\n\nKATEGORIE RYZYKA (szczególna uwaga):\nDaty (start obowiązywania vs start finansowania).\nLiczby (konkretne kwoty muszą wynikać z tekstu).\nPodmioty (kto co robi).\nZakres (co ustawa obejmuje, a czego nie).\n\nINPUT:\n--- SOURCE_TEXT START ---\n[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [S. 4027 Introduced in Senate (IS)] <DOC> 119th CONGRESS 2d Session S. 4027 To ban anticompetitive terms in facility and insurance contracts that limit access to higher quality, lower cost care. _______________________________________________________________________ IN THE SENATE OF THE UNITED STATES March 9, 2026 Mr. Husted introduced the following bill; which was read twice and referred to the Committee on Health, Education, Labor, and Pensions _______________________________________________________________________ A BILL To ban anticompetitive terms in facility and insurance contracts that limit access to higher quality, lower cost care. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``Healthy Competition for Better Care Act''. SEC. 2. BANNING ANTICOMPETITIVE TERMS IN FACILITY AND INSURANCE CONTRACTS THAT LIMIT ACCESS TO HIGHER QUALITY, LOWER COST CARE. (a) In General.-- (1) PHSA.-- (A) In general.--Section 2799A-9 of the Public Health Service Act (42 U.S.C. 300gg-119) is amended-- (i) in the heading, by striking ``by removing'' and all that follows through ``information'' and inserting ``; prohibition on anticompetitive agreements''; (ii) in subsection (a)(5), in the first sentence, by striking ``section'' and inserting ``subsection''; and (iii) by adding at the end the following: ``(b) Protecting Health Plans Network Design Flexibility.-- ``(1) In general.--A group health plan or a health insurance issuer offering group or individual health insurance coverage may not enter into an agreement with a covered entity if such agreement, directly or indirectly-- ``(A) restricts (including by operation of any agreement in effect between such covered entity and another covered entity) the group health plan or health insurance issuer from-- ``(i) directing or steering participants or beneficiaries to other health care providers who are not subject to such agreement; or ``(ii) offering incentives to encourage participants or beneficiaries to utilize specific health care providers; ``(B) requires the group health plan or health insurance issuer to enter into any additional agreement with an affiliate of the covered entity; ``(C) requires the group health plan or health insurance issuer to agree to payment rates or other terms for any affiliate of the covered entity not party to the agreement; or ``(D) restricts other group health plans or health insurance issuers not party to the agreement from paying a lower rate for items or services than the plan or issuer involved in the agreement pays for such items or services. ``(2) Exceptions for certain provider group and value-based network designs.--Paragraph (1)(A) shall not apply to a group health plan or health insurance issuer offering group or individual health insurance coverage with respect to-- ``(A) a health maintenance organization, if such health maintenance organization operates primarily through exclusive contracts with multi-specialty physician groups, nor to any arrangement between such a health maintenance organization and its affiliates; or ``(B) a value-based network arrangement, such as an exclusive provider network, accountable care organization, center of excellence, a provider sponsored health insurance issuer that operates primarily through aligned multi-specialty physician group practices or integrated health systems, or such other similar network arrangements as determined by the Secretary through guidance or rulemaking. ``(3) Covered entity defined.--For purposes of this subsection, the term `covered entity' means a health care provider, network or association of providers, third-party administrator, or other service provider offering access to a network of providers. ``(4) State grandfathering option.--An applicable State authority may make a determination that the prohibitions under paragraph (1)(A) (relating to conditions that would direct or steer enrollees to, or offer incentives to encourage enrollees to use, other health care providers) will not apply in the State with respect to any specified agreement executed on June 19, 2019, and any agreements related to such specified agreement executed on or before December 31, 2020, for a maximum length of nonapplicability of up to 10 years from the date of execution of the contract if the applicable State authority determines that the contract is unlikely to significantly lessen competition. With respect to a specified agreement for which an applicable State authority has made a determination under the preceding sentence, an applicable State authority may determine whether renewal of the contract, within the applicable 10-year period, is allowed. ``(5) Rule of construction.--Except as provided in paragraph (1), nothing in this subsection shall be construed to limit network design or cost or quality initiatives by a group health plan or health insurance issuer, including accountable care organizations, exclusive provider organizations, networks that tier providers by cost or quality or steer enrollees to centers of excellence, or other pay-for-performance programs.''. (B) Regulations.--Not later than 1 year after the date of the enactment of this Act, the Secretary of Health and Human Services, in consultation with the Secretary of Labor and the Secretary of the Treasury, shall promulgate regulations to carry out the amendments made by this paragraph. (2) Employee retirement income security act of 1974.-- (A) In general.--Section 724 of the Employee Retirement Income Security Act of 1974 (29 U.S.C. 1185m) is amended-- (i) in the heading, by striking ``by removing'' and all that follows through ``information'' and inserting ``; prohibition on anticompetitive agreements''; (ii) in subsection (a)(4), in the first sentence, by striking ``section'' and inserting ``subsection''; and (iii) by adding at the end the following: ``(b) Protecting Health Plans Network Design Flexibility.-- ``(1) In general.--A group health plan or a health insurance issuer offering group health insurance coverage may not enter into an agreement with a covered entity if such agreement, directly or indirectly-- ``(A) restricts (including by operation of any agreement in effect between such covered entity and another covered entity) the group health plan or health insurance issuer from-- ``(i) directing or steering participants or beneficiaries to other health care providers who are not subject to such agreement; or ``(ii) offering incentives to encourage participants or beneficiaries to utilize specific health care providers; ``(B) requires the group health plan or health insurance issuer to enter into any additional agreement with an affiliate of the covered entity; ``(C) requires the group health plan or health insurance issuer to agree to payment rates or other terms for any affiliate of the covered entity not party to the agreement; or ``(D) restricts other group health plans or health insurance issuers not party to the agreement from paying a lower rate for items or services than the plan or issuer involved in the agreement pays for such items or services. ``(2) Exceptions for certain provider group and value-based network designs.--Paragraph (1)(A) shall not apply to a group health plan or health insurance issuer offering group health insurance coverage with respect to-- ``(A) a health maintenance organization, if such health maintenance organization operates primarily through exclusive contracts with multi-specialty physician groups, nor to any arrangement between such a health maintenance organization and its affiliates; or ``(B) a value-based network arrangement, such as an exclusive provider network, accountable care organization, center of excellence, a provider sponsored health insurance issuer that operates primarily through aligned multi-specialty physician group practices or integrated health systems, or such other similar network arrangements as determined by the Secretary through guidance or rulemaking. ``(3) Covered entity defined.--For purposes of this subsection, the term `covered entity' means a health care provider, network or association of providers, third-party administrator, or other service provider offering access to a network of providers. ``(4) State grandfathering option.--An applicable State authority may make a determination that the prohibitions under paragraph (1)(A) (relating to conditions that would direct or steer enrollees to, or offer incentives to encourage enrollees to use, other health care providers) will not apply in the State with respect to any specified agreement executed on June 19, 2019, and any agreements related to such specified agreement executed on or before December 31, 2020, for a maximum length of nonapplicability of up to 10 years from the date of execution of the contract if the applicable State authority determines that the contract is unlikely to significantly lessen competition. With respect to a specified agreement for which an applicable State authority has made a determination under the preceding sentence, an applicable State authority may determine whether renewal of the contract, within the applicable 10-year period, is allowed. ``(5) Rule of construction.--Except as provided in paragraph (1), nothing in this subsection shall be construed to limit network design or cost or quality initiatives by a group health plan or health insurance issuer, including accountable care organizations, exclusive provider organizations, networks that tier providers by cost or quality or steer enrollees to centers of excellence, or other pay-for-performance programs.''. (B) Clerical amendment.--The table of contents in section 1 of such Act is amended, in the entry relating to section 724, by amending such entry to read as follows: ``Sec. 724. Increasing transparency; prohibition on anticompetitive agreements.''. (C) Regulations.--Not later than 1 year after the date of the enactment of this Act, the Secretary of Labor, in consultation with the Secretary of Health and Human Services and the Secretary of the Treasury, shall promulgate regulations to carry out the amendments made by this paragraph. (3) IRC.-- (A) In general.--Section 9824 of the Internal Revenue Code of 1986 is amended-- (i) in the header, by striking ``by removing'' and all that follows through ``information'' and inserting ``; prohibition on anticompetitive agreements''; (ii) in subsection (a)(4), in the first sentence, by striking ``section'' and inserting ``subsection''; and (iii) by adding at the end the following: ``(b) Protecting Health Plans Network Design Flexibility.-- ``(1) In general.--A group health plan may not enter into an agreement with a covered entity if such agreement, directly or indirectly-- ``(A) restricts (including by operation of any agreement in effect between such covered entity and another covered entity) the group health plan from-- ``(i) directing or steering participants or beneficiaries to other health care providers who are not subject to such agreement; or ``(ii) offering incentives to encourage participants or beneficiaries to utilize specific health care providers; ``(B) requires the group health plan to enter into any additional agreement with an affiliate of the covered entity; ``(C) requires the group health plan to agree to payment rates or other terms for any affiliate of the covered entity not party to the agreement; or ``(D) restricts other group health plans not party to the agreement from paying a lower rate for items or services than the plan involved in the agreement pays for such items or services. ``(2) Exceptions for certain provider group and value-based network designs.--Paragraph (1)(A) shall not apply to a group health plan with respect to-- ``(A) a health maintenance organization, if such health maintenance organization operates primarily through exclusive contracts with multi-specialty physician groups, nor to any arrangement between such a health maintenance organization and its affiliates; or ``(B) a value-based network arrangement, such as an exclusive provider network, accountable care organization, center of excellence, a provider sponsored health insurance issuer that operates primarily through aligned multi-specialty physician group practices or integrated health systems, or such other similar network arrangements as determined by the Secretary through guidance or rulemaking. ``(3) Covered entity defined.--For purposes of this subsection, the term `covered entity' means a health care provider, network or association of providers, third-party administrator, or other service provider offering access to a network of providers. ``(4) State grandfathering option.--An applicable State authority may make a determination that the prohibitions under paragraph (1)(A) (relating to conditions that would direct or steer enrollees to, or offer incentives to encourage enrollees to use, other health care providers) will not apply in the State with respect to any specified agreement executed on June 19, 2019, and any agreements related to such specified agreement executed on or before December 31, 2020, for a maximum length of nonapplicability of up to 10 years from the date of execution of the contract if the applicable State authority determines that the contract is unlikely to significantly lessen competition. With respect to a specified agreement for which an applicable State authority has made a determination under the preceding sentence, an applicable State authority may determine whether renewal of the contract, within the applicable 10-year period, is allowed. ``(5) Rule of construction.--Except as provided in paragraph (1), nothing in this subsection shall be construed to limit network design or cost or quality initiatives by a group health plan, including accountable care organizations, exclusive provider organizations, networks that tier providers by cost or quality or steer enrollees to centers of excellence, or other pay-for-performance programs.''. (B) Clerical amendment.--The table of contents in section 1 of such Act is amended, in the entry relating to section 9824, by amending such entry to read as follows: ``Sec. 9824. Increasing transparency; prohibition on anticompetitive agreements.''. (C) Regulations.--Not later than 1 year after the date of the enactment of this Act, the Secretary of the Treasury, in consultation with the Secretary of Health and Human Services and the Secretary of Labor, shall promulgate regulations to carry out the amendments made by this paragraph. (b) Effective Date.--The amendments made by subsection (a) shall apply with respect to any contract entered into, amended, or renewed on or after the date that is 18 months after the date of enactment of this Act. <all>\n--- SOURCE_TEXT END ---\n\n--- FLAGGED_JSON START ---\n{\n  \"pl_ai_title\": \"Ustawa o zdrowej konkurencji: łatwiejszy dostęp do tańszej i lepszej opieki medycznej\",\n  \"pl_summary\": \"Ustawa ma na celu obniżenie kosztów leczenia poprzez usunięcie z umów zapisów, które blokują konkurencję między szpitalami a ubezpieczycielami. Dzięki temu pacjenci będą mogli łatwiej korzystać z tańszych i lepszych placówek medycznych, a ubezpieczyciele będą mogli oferować zachęty za wybór konkretnych lekarzy.\",\n  \"pl_key_points\": [\n    \"Zakaz blokowania ubezpieczycielom możliwości kierowania pacjentów do tańszych i lepszych lekarzy.\",\n    \"Koniec z wymuszaniem na ubezpieczycielach podpisywania umów ze wszystkimi placówkami danej sieci (tzw. klauzule wszystko albo nic).\",\n    \"Ubezpieczyciele będą mogli oferować zniżki i bonusy pacjentom wybierającym konkretne, efektywne placówki medyczne.\",\n    \"Zakaz stosowania zapisów, które uniemożliwiają innym ubezpieczycielom negocjowanie niższych stawek za te same usługi.\"\n  ],\n  \"eng_ai_title\": \"Healthy Competition for Better Care Act: Lowering Costs by Removing Restrictive Contracts\",\n  \"eng_summary\": \"This Act aims to lower healthcare costs by removing contract terms that block competition between hospitals and insurers. It allows patients to access higher quality, lower-cost care more easily, and enables insurers to offer incentives for choosing specific providers.\",\n  \"eng_key_points\": [\n    \"Bans terms that prevent insurers from steering patients to higher quality or lower cost providers.\",\n    \"Ends all-or-nothing contracts that force insurers to include every facility in a hospital chain.\",\n    \"Allows insurers to offer financial incentives to patients who choose specific, high-value healthcare providers.\",\n    \"Prohibits clauses that stop other insurance plans from negotiating lower rates for the same medical services.\"\n  ],\n  \"de_ai_title\": \"Gesetz für gesunden Wettbewerb: Leichterer Zugang zu günstigerer und besserer medizinischer Versorgung\",\n  \"de_summary\": \"Dieses Gesetz zielt darauf ab, die Gesundheitskosten zu senken, indem Vertragsklauseln entfernt werden, die den Wettbewerb zwischen Krankenhäusern und Versicherern blockieren. Patienten können so leichter auf qualitativ hochwertige und kostengünstigere Versorgung zugreifen.\",\n  \"de_key_points\": [\n    \"Verbot von Klauseln, die Versicherer daran hindern, Patienten zu besseren oder günstigeren Ärzten zu leiten.\",\n    \"Ende von Alles-oder-Nichts-Verträgen, die Versicherer zwingen, alle Einrichtungen einer Krankenhauskette aufzunehmen.\",\n    \"Versicherer dürfen Patienten finanzielle Anreize bieten, wenn sie sich für bestimmte, effiziente medizinische Einrichtungen entscheiden.\",\n    \"Verbot von Absprachen, die verhindern, dass andere Versicherungen niedrigere Preise für dieselben Leistungen aushandeln.\"\n  ],\n  \"fr_ai_title\": \"Loi sur la saine concurrence : un accès facilité à des soins meilleurs et moins chers\",\n  \"fr_summary\": \"Cette loi vise à réduire les coûts de santé en supprimant les clauses contractuelles qui bloquent la concurrence entre les hôpitaux et les assureurs. Elle permet aux patients d'accéder plus facilement à des soins de qualité à moindre coût.\",\n  \"fr_key_points\": [\n    \"Interdiction des clauses empêchant les assureurs d'orienter les patients vers des médecins moins chers ou de meilleure qualité.\",\n    \"Fin des contrats tout ou rien qui obligent les assureurs à inclure tous les établissements d'une chaîne hospitalière.\",\n    \"Possibilité pour les assureurs d'offrir des incitations financières aux patients choisissant des prestataires de soins spécifiques et efficaces.\",\n    \"Interdiction des accords empêchant d'autres assureurs de négocier des tarifs plus bas pour les mêmes services.\"\n  ],\n  \"es_ai_title\": \"Ley de Competencia Saludable: Acceso más fácil a una atención médica mejor y más barata\",\n  \"es_summary\": \"Esta ley busca reducir los costos de salud al eliminar las cláusulas contractuales que bloquean la competencia entre hospitales y aseguradoras. Esto permitirá a los ciudadanos acceder a una atención de mayor calidad y menor precio.\",\n  \"es_key_points\": [\n    \"Prohibición de cláusulas que impiden a las aseguradoras dirigir a los pacientes hacia médicos más baratos o de mejor calidad.\",\n    \"Fin de los contratos de todo o nada que obligan a las aseguradoras a incluir todos los centros de una red hospitalaria.\",\n    \"Las aseguradoras podrán ofrecer incentivos económicos a los pacientes que elijan centros médicos específicos y eficientes.\",\n    \"Prohibición de acuerdos que impidan a otras aseguradoras negociar tarifas más bajas por los mismos servicios.\"\n  ],\n  \"it_ai_title\": \"Legge sulla sana concorrenza: accesso più facile a cure mediche migliori e meno costose\",\n  \"it_summary\": \"Questa legge mira a ridurre i costi sanitari eliminando le clausole contrattuali che bloccano la concorrenza tra ospedali e assicuratori. I cittadini potranno accedere più facilmente a cure di alta qualità a prezzi inferiori.\",\n  \"it_key_points\": [\n    \"Divieto di clausole che impediscono agli assicuratori di indirizzare i pazienti verso medici più economici o di migliore qualità.\",\n    \"Fine dei contratti tutto o niente che obbligano gli assicuratori a includere tutte le strutture di una catena ospedaliera.\",\n    \"Gli assicuratori potranno offrire incentivi economici ai pazienti che scelgono specifiche strutture mediche efficienti.\",\n    \"Divieto di accordi che impediscono ad altri assicuratori di negoziare tariffe più basse per gli stessi servizi.\"\n  ],\n  \"nl_ai_title\": \"Wet op gezonde concurrentie: gemakkelijker toegang tot goedkopere en betere medische zorg\",\n  \"nl_summary\": \"Deze wet is bedoeld om de zorgkosten te verlagen door contractvoorwaarden te schrappen die de concurrentie tussen ziekenhuizen en verzekeraars blokkeren. Hierdoor krijgen patiënten gemakkelijker toegang tot kwalitatieve en betaalbare zorg.\",\n  \"nl_key_points\": [\n    \"Verbod op voorwaarden die verzekeraars beletten patiënten naar goedkopere of betere artsen te sturen.\",\n    \"Einde aan alles-of-niets-contracten die verzekeraars dwingen alle locaties van een ziekenhuisketen op te nemen.\",\n    \"Verzekeraars mogen financiële extra's aanbieden aan patiënten die kiezen voor specifieke, efficiënte zorginstellingen.\",\n    \"Verbod op afspraken die voorkomen dat andere verzekeraars lagere tarieven onderhandelen voor dezelfde diensten.\"\n  ],\n  \"pt_ai_title\": \"Lei da Concorrência Saudável: Acesso mais fácil a cuidados médicos melhores e mais baratos\",\n  \"pt_summary\": \"Esta lei visa reduzir os custos de saúde ao eliminar cláusulas contratuais que bloqueiam a concorrência entre hospitais e seguradoras. Os cidadãos poderão aceder mais facilmente a cuidados de alta qualidade e menor custo.\",\n  \"pt_key_points\": [\n    \"Proibição de cláusulas que impedem as seguradoras de direcionar pacientes para médicos mais baratos ou de melhor qualidade.\",\n    \"Fim dos contratos de tudo ou nada que obrigam as seguradoras a incluir todas as unidades de uma rede hospitalar.\",\n    \"As seguradoras poderão oferecer incentivos financeiros aos pacientes que escolham unidades de saúde específicas e eficientes.\",\n    \"Proibição de acordos que impeçam outras seguradoras de negociar taxas mais baixas pelos mesmos serviços.\"\n  ],\n  \"category\": [\n    \"Health\",\n    \"Economy\"\n  ]\n}\n--- FLAGGED_JSON END ---\n\nOUTPUT:\nWyłącznie naprawiony obiekt JSON zgodny ze strukturą:\n{\n  \"pl_ai_title\": \"...\", \"pl_summary\": \"...\", \"pl_key_points\": [...],\n  \"eng_ai_title\": \"...\", \"eng_summary\": \"...\", \"eng_key_points\": [...],\n  \"de_ai_title\": \"...\", \"de_summary\": \"...\", \"de_key_points\": [...],\n  \"fr_ai_title\": \"...\", \"fr_summary\": \"...\", \"fr_key_points\": [...],\n  \"es_ai_title\": \"...\", \"es_summary\": \"...\", \"es_key_points\": [...],\n  \"it_ai_title\": \"...\", \"it_summary\": \"...\", \"it_key_points\": [...],\n  \"nl_ai_title\": \"...\", \"nl_summary\": \"...\", \"nl_key_points\": [...],\n  \"pt_ai_title\": \"...\", \"pt_summary\": \"...\", \"pt_key_points\": [...],\n  \"category\": [\"...\"]\n}\n\n",
      "ai_response_raw": "{\n  \"pl_ai_title\": \"Ustawa o zdrowej konkurencji dla lepszej opieki\",\n  \"pl_summary\": \"Ustawa ma na celu zakazanie antykonkurencyjnych warunków w umowach z placówkami i ubezpieczycielami, które ograniczają dostęp do opieki wyższej jakości i o niższych kosztach. Umożliwia ubezpieczycielom kierowanie pacjentów do innych świadczeniodawców oraz oferowanie zachęt za wybór konkretnych placówek.\",\n  \"pl_key_points\": [\n    \"Zakaz umów ograniczających ubezpieczycielom możliwość kierowania pacjentów do innych świadczeniodawców opieki zdrowotnej.\",\n    \"Zakaz wymuszania na ubezpieczycielach zawierania dodatkowych umów z podmiotami powiązanymi ze świadczeniodawcą.\",\n    \"Ubezpieczyciele będą mogli oferować zachęty pacjentom korzystającym z określonych świadczeniodawców opieki zdrowotnej.\",\n    \"Zakaz stosowania zapisów, które ograniczają innym ubezpieczycielom możliwość płacenia niższych stawek za te same usługi.\"\n  ],\n  \"eng_ai_title\": \"Healthy Competition for Better Care Act\",\n  \"eng_summary\": \"This Act aims to ban anticompetitive terms in facility and insurance contracts that limit access to higher quality, lower cost care. It allows insurers to steer patients to other providers and offer incentives for choosing specific healthcare providers.\",\n  \"eng_key_points\": [\n    \"Bans agreements that restrict insurers from directing or steering patients to other healthcare providers.\",\n    \"Prohibits requiring insurers to enter into additional agreements with affiliates of the covered entity.\",\n    \"Allows insurers to offer incentives to encourage patients to utilize specific healthcare providers.\",\n    \"Prohibits clauses that restrict other insurance plans from paying a lower rate for the same items or services.\"\n  ],\n  \"de_ai_title\": \"Gesetz für gesunden Wettbewerb für eine bessere Versorgung\",\n  \"de_summary\": \"Dieses Gesetz zielt darauf ab, wettbewerbsfeindliche Bedingungen in Einrichtungs- und Versicherungsverträgen zu verbieten, die den Zugang zu qualitativ hochwertigerer und kostengünstigerer Versorgung einschränken. Es ermöglicht Versicherern, Patienten an andere Anbieter zu verweisen und Anreize für die Wahl bestimmter Gesundheitsdienstleister zu bieten.\",\n  \"de_key_points\": [\n    \"Verbot von Vereinbarungen, die Versicherer daran hindern, Patienten an andere Gesundheitsdienstleister zu leiten.\",\n    \"Verbot der Verpflichtung für Versicherer, zusätzliche Verträge mit verbundenen Unternehmen des Anbieters abzuschließen.\",\n    \"Versicherer dürfen Anreize bieten, um Patienten zur Nutzung bestimmter Gesundheitsdienstleister zu ermutigen.\",\n    \"Verbot von Klauseln, die andere Versicherungspläne daran hindern, einen niedrigeren Satz für dieselben Leistungen zu zahlen.\"\n  ],\n  \"fr_ai_title\": \"Loi sur la saine concurrence pour de meilleurs soins\",\n  \"fr_summary\": \"Cette loi vise à interdire les clauses anticoncurrentielles dans les contrats d'établissements et d'assurances qui limitent l'accès à des soins de meilleure qualité et à moindre coût. Elle permet aux assureurs d'orienter les patients vers d'autres prestataires et d'offrir des incitations pour le choix de prestataires de soins spécifiques.\",\n  \"fr_key_points\": [\n    \"Interdiction des accords empêchant les assureurs d'orienter les patients vers d'autres prestataires de soins de santé.\",\n    \"Interdiction d'exiger des assureurs qu'ils concluent des accords supplémentaires avec des sociétés affiliées au prestataire.\",\n    \"Possibilité pour les assureurs d'offrir des incitations pour encourager les patients à utiliser des prestataires de soins spécifiques.\",\n    \"Interdiction des clauses empêchant d'autres régimes d'assurance de payer un tarif inférieur pour les mêmes services.\"\n  ],\n  \"es_ai_title\": \"Ley de Competencia Saludable para una Mejor Atención\",\n  \"es_summary\": \"Esta ley busca prohibir términos anticompetitivos en los contratos de instalaciones y seguros que limitan el acceso a una atención de mayor calidad y menor costo. Permite a las aseguradoras dirigir a los pacientes a otros proveedores y ofrecer incentivos por elegir proveedores de atención médica específicos.\",\n  \"es_key_points\": [\n    \"Prohíbe los acuerdos que restringen a las aseguradoras dirigir a los pacientes a otros proveedores de atención médica.\",\n    \"Prohíbe exigir a las aseguradoras que celebren acuerdos adicionales con afiliados del proveedor.\",\n    \"Permite a las aseguradoras ofrecer incentivos para alentar a los pacientes a utilizar proveedores de atención médica específicos.\",\n    \"Prohíbe las cláusulas que restringen a otros planes de seguro pagar una tarifa más baja por los mismos servicios.\"\n  ],\n  \"it_ai_title\": \"Legge sulla sana concorrenza per cure migliori\",\n  \"it_summary\": \"Questa legge mira a vietare termini anticoncorrenziali nei contratti di strutture e assicurazioni che limitano l'accesso a cure di qualità superiore e a costi inferiori. Consente agli assicuratori di indirizzare i pazienti verso altri fornitori e di offrire incentivi per la scelta di specifici fornitori di assistenza sanitaria.\",\n  \"it_key_points\": [\n    \"Vieta gli accordi che limitano gli assicuratori nell'indirizzare i pazienti verso altri fornitori di assistenza sanitaria.\",\n    \"Vieta di richiedere agli assicuratori di stipulare ulteriori accordi con affiliati del fornitore.\",\n    \"Consente agli assicuratori di offrire incentivi per incoraggiare i pazienti a utilizzare specifici fornitori di assistenza sanitaria.\",\n    \"Vieta le clausole che limitano altri piani assicurativi dal pagare una tariffa inferiore per gli stessi servizi.\"\n  ],\n  \"nl_ai_title\": \"Wet op gezonde concurrentie voor betere zorg\",\n  \"nl_summary\": \"Deze wet is bedoeld om concurrentiebeperkende voorwaarden in contracten van instellingen en verzekeraars te verbieden die de toegang tot zorg van hogere kwaliteit en lagere kosten beperken. Het stelt verzekeraars in staat patiënten naar andere zorgaanbieders te sturen en stimulansen te bieden voor het kiezen van specifieke zorgaanbieders.\",\n  \"nl_key_points\": [\n    \"Verbod op overeenkomsten die verzekeraars beperken in het sturen van patiënten naar andere zorgaanbieders.\",\n    \"Verbod op de eis dat verzekeraars aanvullende overeenkomsten sluiten met aan de aanbieder gelieerde ondernemingen.\",\n    \"Verzekeraars mogen stimulansen bieden om patiënten aan te moedigen specifieke zorgaanbieders te gebruiken.\",\n    \"Verbod op clausules die andere verzekeringsplannen beperken in het betalen van een lager tarief voor dezelfde diensten.\"\n  ],\n  \"pt_ai_title\": \"Lei da Concorrência Saudável para Melhores Cuidados\",\n  \"pt_summary\": \"Esta lei visa proibir termos anticoncorrenciais em contratos de instalações e seguros que limitam o acesso a cuidados de maior qualidade e menor custo. Permite que as seguradoras direcionem os pacientes para outros prestadores e ofereçam incentivos para a escolha de prestadores de cuidados de saúde específicos.\",\n  \"pt_key_points\": [\n    \"Proíbe acordos que restringem as seguradoras de direcionar pacientes para outros prestadores de cuidados de saúde.\",\n    \"Proíbe a exigência de que as seguradoras celebrem acordos adicionais com afiliados do prestador.\",\n    \"Permite que as seguradoras ofereçam incentivos para encorajar os pacientes a utilizar prestadores de cuidados de saúde específicos.\",\n    \"Proíbe cláusulas que restringem outros planos de seguro de pagar uma taxa mais baixa pelos mesmos serviços.\"\n  ],\n  \"category\": [\n    \"Health\",\n    \"Economy\"\n  ]\n}"
    },
    {
      "timestamp": "2026-03-25T12:30:39.774Z",
      "source_url": "https://www.congress.gov/119/bills/s4027/BILLS-119s4027is.htm",
      "model": "gemini-flash-lite-latest",
      "prompt_sent": "\nROLE: Fact Checker.\nZADANIE: Porównaj SOURCE (oryginał) i SUMMARY (streszczenie przygotowane przez inne AI).\n\nTwoim celem jest wykrycie \"ZMYŚLONYCH KONKRETÓW\" (Fabricated Entities) w SUMMARY.\n\nSOURCE:\n[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [S. 4027 Introduced in Senate (IS)] <DOC> 119th CONGRESS 2d Session S. 4027 To ban anticompetitive terms in facility and insurance contracts that limit access to higher quality, lower cost care. _______________________________________________________________________ IN THE SENATE OF THE UNITED STATES March 9, 2026 Mr. Husted introduced the following bill; which was read twice and referred to the Committee on Health, Education, Labor, and Pensions _______________________________________________________________________ A BILL To ban anticompetitive terms in facility and insurance contracts that limit access to higher quality, lower cost care. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``Healthy Competition for Better Care Act''. SEC. 2. BANNING ANTICOMPETITIVE TERMS IN FACILITY AND INSURANCE CONTRACTS THAT LIMIT ACCESS TO HIGHER QUALITY, LOWER COST CARE. (a) In General.-- (1) PHSA.-- (A) In general.--Section 2799A-9 of the Public Health Service Act (42 U.S.C. 300gg-119) is amended-- (i) in the heading, by striking ``by removing'' and all that follows through ``information'' and inserting ``; prohibition on anticompetitive agreements''; (ii) in subsection (a)(5), in the first sentence, by striking ``section'' and inserting ``subsection''; and (iii) by adding at the end the following: ``(b) Protecting Health Plans Network Design Flexibility.-- ``(1) In general.--A group health plan or a health insurance issuer offering group or individual health insurance coverage may not enter into an agreement with a covered entity if such agreement, directly or indirectly-- ``(A) restricts (including by operation of any agreement in effect between such covered entity and another covered entity) the group health plan or health insurance issuer from-- ``(i) directing or steering participants or beneficiaries to other health care providers who are not subject to such agreement; or ``(ii) offering incentives to encourage participants or beneficiaries to utilize specific health care providers; ``(B) requires the group health plan or health insurance issuer to enter into any additional agreement with an affiliate of the covered entity; ``(C) requires the group health plan or health insurance issuer to agree to payment rates or other terms for any affiliate of the covered entity not party to the agreement; or ``(D) restricts other group health plans or health insurance issuers not party to the agreement from paying a lower rate for items or services than the plan or issuer involved in the agreement pays for such items or services. ``(2) Exceptions for certain provider group and value-based network designs.--Paragraph (1)(A) shall not apply to a group health plan or health insurance issuer offering group or individual health insurance coverage with respect to-- ``(A) a health maintenance organization, if such health maintenance organization operates primarily through exclusive contracts with multi-specialty physician groups, nor to any arrangement between such a health maintenance organization and its affiliates; or ``(B) a value-based network arrangement, such as an exclusive provider network, accountable care organization, center of excellence, a provider sponsored health insurance issuer that operates primarily through aligned multi-specialty physician group practices or integrated health systems, or such other similar network arrangements as determined by the Secretary through guidance or rulemaking. ``(3) Covered entity defined.--For purposes of this subsection, the term `covered entity' means a health care provider, network or association of providers, third-party administrator, or other service provider offering access to a network of providers. ``(4) State grandfathering option.--An applicable State authority may make a determination that the prohibitions under paragraph (1)(A) (relating to conditions that would direct or steer enrollees to, or offer incentives to encourage enrollees to use, other health care providers) will not apply in the State with respect to any specified agreement executed on June 19, 2019, and any agreements related to such specified agreement executed on or before December 31, 2020, for a maximum length of nonapplicability of up to 10 years from the date of execution of the contract if the applicable State authority determines that the contract is unlikely to significantly lessen competition. With respect to a specified agreement for which an applicable State authority has made a determination under the preceding sentence, an applicable State authority may determine whether renewal of the contract, within the applicable 10-year period, is allowed. ``(5) Rule of construction.--Except as provided in paragraph (1), nothing in this subsection shall be construed to limit network design or cost or quality initiatives by a group health plan or health insurance issuer, including accountable care organizations, exclusive provider organizations, networks that tier providers by cost or quality or steer enrollees to centers of excellence, or other pay-for-performance programs.''. (B) Regulations.--Not later than 1 year after the date of the enactment of this Act, the Secretary of Health and Human Services, in consultation with the Secretary of Labor and the Secretary of the Treasury, shall promulgate regulations to carry out the amendments made by this paragraph. (2) Employee retirement income security act of 1974.-- (A) In general.--Section 724 of the Employee Retirement Income Security Act of 1974 (29 U.S.C. 1185m) is amended-- (i) in the heading, by striking ``by removing'' and all that follows through ``information'' and inserting ``; prohibition on anticompetitive agreements''; (ii) in subsection (a)(4), in the first sentence, by striking ``section'' and inserting ``subsection''; and (iii) by adding at the end the following: ``(b) Protecting Health Plans Network Design Flexibility.-- ``(1) In general.--A group health plan or a health insurance issuer offering group health insurance coverage may not enter into an agreement with a covered entity if such agreement, directly or indirectly-- ``(A) restricts (including by operation of any agreement in effect between such covered entity and another covered entity) the group health plan or health insurance issuer from-- ``(i) directing or steering participants or beneficiaries to other health care providers who are not subject to such agreement; or ``(ii) offering incentives to encourage participants or beneficiaries to utilize specific health care providers; ``(B) requires the group health plan or health insurance issuer to enter into any additional agreement with an affiliate of the covered entity; ``(C) requires the group health plan or health insurance issuer to agree to payment rates or other terms for any affiliate of the covered entity not party to the agreement; or ``(D) restricts other group health plans or health insurance issuers not party to the agreement from paying a lower rate for items or services than the plan or issuer involved in the agreement pays for such items or services. ``(2) Exceptions for certain provider group and value-based network designs.--Paragraph (1)(A) shall not apply to a group health plan or health insurance issuer offering group health insurance coverage with respect to-- ``(A) a health maintenance organization, if such health maintenance organization operates primarily through exclusive contracts with multi-specialty physician groups, nor to any arrangement between such a health maintenance organization and its affiliates; or ``(B) a value-based network arrangement, such as an exclusive provider network, accountable care organization, center of excellence, a provider sponsored health insurance issuer that operates primarily through aligned multi-specialty physician group practices or integrated health systems, or such other similar network arrangements as determined by the Secretary through guidance or rulemaking. ``(3) Covered entity defined.--For purposes of this subsection, the term `covered entity' means a health care provider, network or association of providers, third-party administrator, or other service provider offering access to a network of providers. ``(4) State grandfathering option.--An applicable State authority may make a determination that the prohibitions under paragraph (1)(A) (relating to conditions that would direct or steer enrollees to, or offer incentives to encourage enrollees to use, other health care providers) will not apply in the State with respect to any specified agreement executed on June 19, 2019, and any agreements related to such specified agreement executed on or before December 31, 2020, for a maximum length of nonapplicability of up to 10 years from the date of execution of the contract if the applicable State authority determines that the contract is unlikely to significantly lessen competition. With respect to a specified agreement for which an applicable State authority has made a determination under the preceding sentence, an applicable State authority may determine whether renewal of the contract, within the applicable 10-year period, is allowed. ``(5) Rule of construction.--Except as provided in paragraph (1), nothing in this subsection shall be construed to limit network design or cost or quality initiatives by a group health plan or health insurance issuer, including accountable care organizations, exclusive provider organizations, networks that tier providers by cost or quality or steer enrollees to centers of excellence, or other pay-for-performance programs.''. (B) Clerical amendment.--The table of contents in section 1 of such Act is amended, in the entry relating to section 724, by amending such entry to read as follows: ``Sec. 724. Increasing transparency; prohibition on anticompetitive agreements.''. (C) Regulations.--Not later than 1 year after the date of the enactment of this Act, the Secretary of Labor, in consultation with the Secretary of Health and Human Services and the Secretary of the Treasury, shall promulgate regulations to carry out the amendments made by this paragraph. (3) IRC.-- (A) In general.--Section 9824 of the Internal Revenue Code of 1986 is amended-- (i) in the header, by striking ``by removing'' and all that follows through ``information'' and inserting ``; prohibition on anticompetitive agreements''; (ii) in subsection (a)(4), in the first sentence, by striking ``section'' and inserting ``subsection''; and (iii) by adding at the end the following: ``(b) Protecting Health Plans Network Design Flexibility.-- ``(1) In general.--A group health plan may not enter into an agreement with a covered entity if such agreement, directly or indirectly-- ``(A) restricts (including by operation of any agreement in effect between such covered entity and another covered entity) the group health plan from-- ``(i) directing or steering participants or beneficiaries to other health care providers who are not subject to such agreement; or ``(ii) offering incentives to encourage participants or beneficiaries to utilize specific health care providers; ``(B) requires the group health plan to enter into any additional agreement with an affiliate of the covered entity; ``(C) requires the group health plan to agree to payment rates or other terms for any affiliate of the covered entity not party to the agreement; or ``(D) restricts other group health plans not party to the agreement from paying a lower rate for items or services than the plan involved in the agreement pays for such items or services. ``(2) Exceptions for certain provider group and value-based network designs.--Paragraph (1)(A) shall not apply to a group health plan with respect to-- ``(A) a health maintenance organization, if such health maintenance organization operates primarily through exclusive contracts with multi-specialty physician groups, nor to any arrangement between such a health maintenance organization and its affiliates; or ``(B) a value-based network arrangement, such as an exclusive provider network, accountable care organization, center of excellence, a provider sponsored health insurance issuer that operates primarily through aligned multi-specialty physician group practices or integrated health systems, or such other similar network arrangements as determined by the Secretary through guidance or rulemaking. ``(3) Covered entity defined.--For purposes of this subsection, the term `covered entity' means a health care provider, network or association of providers, third-party administrator, or other service provider offering access to a network of providers. ``(4) State grandfathering option.--An applicable State authority may make a determination that the prohibitions under paragraph (1)(A) (relating to conditions that would direct or steer enrollees to, or offer incentives to encourage enrollees to use, other health care providers) will not apply in the State with respect to any specified agreement executed on June 19, 2019, and any agreements related to such specified agreement executed on or before December 31, 2020, for a maximum length of nonapplicability of up to 10 years from the date of execution of the contract if the applicable State authority determines that the contract is unlikely to significantly lessen competition. With respect to a specified agreement for which an applicable State authority has made a determination under the preceding sentence, an applicable State authority may determine whether renewal of the contract, within the applicable 10-year period, is allowed. ``(5) Rule of construction.--Except as provided in paragraph (1), nothing in this subsection shall be construed to limit network design or cost or quality initiatives by a group health plan, including accountable care organizations, exclusive provider organizations, networks that tier providers by cost or quality or steer enrollees to centers of excellence, or other pay-for-performance programs.''. (B) Clerical amendment.--The table of contents in section 1 of such Act is amended, in the entry relating to section 9824, by amending such entry to read as follows: ``Sec. 9824. Increasing transparency; prohibition on anticompetitive agreements.''. (C) Regulations.--Not later than 1 year after the date of the enactment of this Act, the Secretary of the Treasury, in consultation with the Secretary of Health and Human Services and the Secretary of Labor, shall promulgate regulations to carry out the amendments made by this paragraph. (b) Effective Date.--The amendments made by subsection (a) shall apply with respect to any contract entered into, amended, or renewed on or after the date that is 18 months after the date of enactment of this Act. <all>\n\nSUMMARY TO EVALUATE:\nTitle: Healthy Competition for Better Care Act: Lowering Costs by Removing Restrictive Contracts\nSummary: This Act aims to lower healthcare costs by removing contract terms that block competition between hospitals and insurers. It allows patients to access higher quality, lower-cost care more easily, and enables insurers to offer incentives for choosing specific providers.\nKey Points: Bans terms that prevent insurers from steering patients to higher quality or lower cost providers., Ends all-or-nothing contracts that force insurers to include every facility in a hospital chain., Allows insurers to offer financial incentives to patients who choose specific, high-value healthcare providers., Prohibits clauses that stop other insurance plans from negotiating lower rates for the same medical services.\n\nZASADY OCENY:\n1. Sprawdź wszystkie LICZBY, DATY i KWOTY w SUMMARY. Jeśli którejś brakuje w SOURCE -> is_valid: false.\n2. Sprawdź wszystkie NAZWISKA, ORGANIZACJE i MIEJSCA w SUMMARY. Jeśli którejś brakuje w SOURCE -> is_valid: false.\n3. Sprawdź wszystkie konkretne DZIAŁANIA PRAWNE . Jeśli tego mechanizmu nie ma w SOURCE -> is_valid: false.\n\nWAŻNE: Abstrakcyjne pojęcia (np. \"transparentność\", \"zaufanie\") są dozwolone jako wnioski.\n\nOUTPUT (JSON):\n{\n  \"is_valid\": true/false,\n  \"issue\": \"fabricated_entity\" / \"contradiction\" / \"none\"\n}\n\nWYMAGANIA FORMATOWANIA:\n1. Odpowiedz WYŁĄCZNIE surowym obiektem JSON.\n2. NIE używaj bloków kodu Markdown.\n3. NIE dodawaj żadnych wstępów ani wyjaśnień przed ani po JSONie.\n4. JSON musi być poprawny i gotowy do parsowania.\n\n",
      "ai_response_raw": "{\n  \"is_valid\": false,\n  \"issue\": \"fabricated_entity\"\n}"
    },
    {
      "timestamp": "2026-03-25T12:18:51.897Z",
      "source_url": "https://www.congress.gov/119/bills/s4027/BILLS-119s4027is.htm",
      "model": "gemini-flash-latest",
      "prompt_sent": "\nJesteś ekspertem od prawa Stanów Zjednoczonych, który ma za zadanie analizować dokumenty ustaw, uchwał oraz innych dokumentów legislacyjnych, a następnie przygotowywać z nich informacje w przystępny sposób dla obywateli. Twoim celem jest przedstawienie informacji tak, aby obywatele mogli sami ocenić wpływ legislacji na ich życie, nawet bez posiadania specjalistycznej wiedzy legislacyjnej. Skup się na faktach i obiektywnych skutkach wprowadzanych zmian, unikając wartościowania i osobistych opinii. Wszelki żargon prawny jest zabroniony. Prezentuj informacje w jasny, zwięzły i angażujący sposób, tak aby były zrozumiałe dla osoby bez wykształcenia prawniczego. Unikaj długich, złożonych zdań. Zamiast pisać \"projekt ma na celu nowelizację kodeksu podatkowego...\", napisz \"Zmiany w podatkach: nowe ulgi i obowiązki dla...\". Kontynuuj swoją pracę, dopóki nie rozwiążesz swojego zadania. Jeśli nie masz pewności co do generowanej treści, przeanalizuj dokument ponownie – nie zgaduj. Rozplanuj dobrze swoje zadanie przed przystąpieniem do niego. W podsumowaniu i kluczowych punktach, jeśli to możliwe i uzasadnione, podkreśl, jakie konkretne korzyści lub skutki (pozytywne lub negatywne) wprowadza ustawa dla życia codziennego obywateli, ich praw i obowiązków, finansów osobistych, bezpieczeństwa i innych ważnych kwestii (np. kategorycznych zakazów i nakazów czy najważniejszych konkretnych alokacji finansowych i terytorialnych).\n\nTwoja odpowiedź MUSI być w formacie JSON - i zawierać następujące klucze.\nZanim zwrócisz odpowiedź, dokładnie zweryfikuj, czy cała struktura JSON jest w 100% poprawna, włącznie ze wszystkimi przecinkami, nawiasami klamrowymi, kwadratowymi oraz cudzysłowami. Błędny JSON jest nieakceptowalny i uniemożliwi przetworzenie Twojej pracy.\n\nPrzeanalizuj dokładnie poniższy tekst dokumentu prawnego. To jest treść, na podstawie której masz wygenerować podsumowanie i kluczowe punkty:\n--- POCZĄTEK DOKUMENTU ---\n[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [S. 4027 Introduced in Senate (IS)] <DOC> 119th CONGRESS 2d Session S. 4027 To ban anticompetitive terms in facility and insurance contracts that limit access to higher quality, lower cost care. _______________________________________________________________________ IN THE SENATE OF THE UNITED STATES March 9, 2026 Mr. Husted introduced the following bill; which was read twice and referred to the Committee on Health, Education, Labor, and Pensions _______________________________________________________________________ A BILL To ban anticompetitive terms in facility and insurance contracts that limit access to higher quality, lower cost care. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``Healthy Competition for Better Care Act''. SEC. 2. BANNING ANTICOMPETITIVE TERMS IN FACILITY AND INSURANCE CONTRACTS THAT LIMIT ACCESS TO HIGHER QUALITY, LOWER COST CARE. (a) In General.-- (1) PHSA.-- (A) In general.--Section 2799A-9 of the Public Health Service Act (42 U.S.C. 300gg-119) is amended-- (i) in the heading, by striking ``by removing'' and all that follows through ``information'' and inserting ``; prohibition on anticompetitive agreements''; (ii) in subsection (a)(5), in the first sentence, by striking ``section'' and inserting ``subsection''; and (iii) by adding at the end the following: ``(b) Protecting Health Plans Network Design Flexibility.-- ``(1) In general.--A group health plan or a health insurance issuer offering group or individual health insurance coverage may not enter into an agreement with a covered entity if such agreement, directly or indirectly-- ``(A) restricts (including by operation of any agreement in effect between such covered entity and another covered entity) the group health plan or health insurance issuer from-- ``(i) directing or steering participants or beneficiaries to other health care providers who are not subject to such agreement; or ``(ii) offering incentives to encourage participants or beneficiaries to utilize specific health care providers; ``(B) requires the group health plan or health insurance issuer to enter into any additional agreement with an affiliate of the covered entity; ``(C) requires the group health plan or health insurance issuer to agree to payment rates or other terms for any affiliate of the covered entity not party to the agreement; or ``(D) restricts other group health plans or health insurance issuers not party to the agreement from paying a lower rate for items or services than the plan or issuer involved in the agreement pays for such items or services. ``(2) Exceptions for certain provider group and value-based network designs.--Paragraph (1)(A) shall not apply to a group health plan or health insurance issuer offering group or individual health insurance coverage with respect to-- ``(A) a health maintenance organization, if such health maintenance organization operates primarily through exclusive contracts with multi-specialty physician groups, nor to any arrangement between such a health maintenance organization and its affiliates; or ``(B) a value-based network arrangement, such as an exclusive provider network, accountable care organization, center of excellence, a provider sponsored health insurance issuer that operates primarily through aligned multi-specialty physician group practices or integrated health systems, or such other similar network arrangements as determined by the Secretary through guidance or rulemaking. ``(3) Covered entity defined.--For purposes of this subsection, the term `covered entity' means a health care provider, network or association of providers, third-party administrator, or other service provider offering access to a network of providers. ``(4) State grandfathering option.--An applicable State authority may make a determination that the prohibitions under paragraph (1)(A) (relating to conditions that would direct or steer enrollees to, or offer incentives to encourage enrollees to use, other health care providers) will not apply in the State with respect to any specified agreement executed on June 19, 2019, and any agreements related to such specified agreement executed on or before December 31, 2020, for a maximum length of nonapplicability of up to 10 years from the date of execution of the contract if the applicable State authority determines that the contract is unlikely to significantly lessen competition. With respect to a specified agreement for which an applicable State authority has made a determination under the preceding sentence, an applicable State authority may determine whether renewal of the contract, within the applicable 10-year period, is allowed. ``(5) Rule of construction.--Except as provided in paragraph (1), nothing in this subsection shall be construed to limit network design or cost or quality initiatives by a group health plan or health insurance issuer, including accountable care organizations, exclusive provider organizations, networks that tier providers by cost or quality or steer enrollees to centers of excellence, or other pay-for-performance programs.''. (B) Regulations.--Not later than 1 year after the date of the enactment of this Act, the Secretary of Health and Human Services, in consultation with the Secretary of Labor and the Secretary of the Treasury, shall promulgate regulations to carry out the amendments made by this paragraph. (2) Employee retirement income security act of 1974.-- (A) In general.--Section 724 of the Employee Retirement Income Security Act of 1974 (29 U.S.C. 1185m) is amended-- (i) in the heading, by striking ``by removing'' and all that follows through ``information'' and inserting ``; prohibition on anticompetitive agreements''; (ii) in subsection (a)(4), in the first sentence, by striking ``section'' and inserting ``subsection''; and (iii) by adding at the end the following: ``(b) Protecting Health Plans Network Design Flexibility.-- ``(1) In general.--A group health plan or a health insurance issuer offering group health insurance coverage may not enter into an agreement with a covered entity if such agreement, directly or indirectly-- ``(A) restricts (including by operation of any agreement in effect between such covered entity and another covered entity) the group health plan or health insurance issuer from-- ``(i) directing or steering participants or beneficiaries to other health care providers who are not subject to such agreement; or ``(ii) offering incentives to encourage participants or beneficiaries to utilize specific health care providers; ``(B) requires the group health plan or health insurance issuer to enter into any additional agreement with an affiliate of the covered entity; ``(C) requires the group health plan or health insurance issuer to agree to payment rates or other terms for any affiliate of the covered entity not party to the agreement; or ``(D) restricts other group health plans or health insurance issuers not party to the agreement from paying a lower rate for items or services than the plan or issuer involved in the agreement pays for such items or services. ``(2) Exceptions for certain provider group and value-based network designs.--Paragraph (1)(A) shall not apply to a group health plan or health insurance issuer offering group health insurance coverage with respect to-- ``(A) a health maintenance organization, if such health maintenance organization operates primarily through exclusive contracts with multi-specialty physician groups, nor to any arrangement between such a health maintenance organization and its affiliates; or ``(B) a value-based network arrangement, such as an exclusive provider network, accountable care organization, center of excellence, a provider sponsored health insurance issuer that operates primarily through aligned multi-specialty physician group practices or integrated health systems, or such other similar network arrangements as determined by the Secretary through guidance or rulemaking. ``(3) Covered entity defined.--For purposes of this subsection, the term `covered entity' means a health care provider, network or association of providers, third-party administrator, or other service provider offering access to a network of providers. ``(4) State grandfathering option.--An applicable State authority may make a determination that the prohibitions under paragraph (1)(A) (relating to conditions that would direct or steer enrollees to, or offer incentives to encourage enrollees to use, other health care providers) will not apply in the State with respect to any specified agreement executed on June 19, 2019, and any agreements related to such specified agreement executed on or before December 31, 2020, for a maximum length of nonapplicability of up to 10 years from the date of execution of the contract if the applicable State authority determines that the contract is unlikely to significantly lessen competition. With respect to a specified agreement for which an applicable State authority has made a determination under the preceding sentence, an applicable State authority may determine whether renewal of the contract, within the applicable 10-year period, is allowed. ``(5) Rule of construction.--Except as provided in paragraph (1), nothing in this subsection shall be construed to limit network design or cost or quality initiatives by a group health plan or health insurance issuer, including accountable care organizations, exclusive provider organizations, networks that tier providers by cost or quality or steer enrollees to centers of excellence, or other pay-for-performance programs.''. (B) Clerical amendment.--The table of contents in section 1 of such Act is amended, in the entry relating to section 724, by amending such entry to read as follows: ``Sec. 724. Increasing transparency; prohibition on anticompetitive agreements.''. (C) Regulations.--Not later than 1 year after the date of the enactment of this Act, the Secretary of Labor, in consultation with the Secretary of Health and Human Services and the Secretary of the Treasury, shall promulgate regulations to carry out the amendments made by this paragraph. (3) IRC.-- (A) In general.--Section 9824 of the Internal Revenue Code of 1986 is amended-- (i) in the header, by striking ``by removing'' and all that follows through ``information'' and inserting ``; prohibition on anticompetitive agreements''; (ii) in subsection (a)(4), in the first sentence, by striking ``section'' and inserting ``subsection''; and (iii) by adding at the end the following: ``(b) Protecting Health Plans Network Design Flexibility.-- ``(1) In general.--A group health plan may not enter into an agreement with a covered entity if such agreement, directly or indirectly-- ``(A) restricts (including by operation of any agreement in effect between such covered entity and another covered entity) the group health plan from-- ``(i) directing or steering participants or beneficiaries to other health care providers who are not subject to such agreement; or ``(ii) offering incentives to encourage participants or beneficiaries to utilize specific health care providers; ``(B) requires the group health plan to enter into any additional agreement with an affiliate of the covered entity; ``(C) requires the group health plan to agree to payment rates or other terms for any affiliate of the covered entity not party to the agreement; or ``(D) restricts other group health plans not party to the agreement from paying a lower rate for items or services than the plan involved in the agreement pays for such items or services. ``(2) Exceptions for certain provider group and value-based network designs.--Paragraph (1)(A) shall not apply to a group health plan with respect to-- ``(A) a health maintenance organization, if such health maintenance organization operates primarily through exclusive contracts with multi-specialty physician groups, nor to any arrangement between such a health maintenance organization and its affiliates; or ``(B) a value-based network arrangement, such as an exclusive provider network, accountable care organization, center of excellence, a provider sponsored health insurance issuer that operates primarily through aligned multi-specialty physician group practices or integrated health systems, or such other similar network arrangements as determined by the Secretary through guidance or rulemaking. ``(3) Covered entity defined.--For purposes of this subsection, the term `covered entity' means a health care provider, network or association of providers, third-party administrator, or other service provider offering access to a network of providers. ``(4) State grandfathering option.--An applicable State authority may make a determination that the prohibitions under paragraph (1)(A) (relating to conditions that would direct or steer enrollees to, or offer incentives to encourage enrollees to use, other health care providers) will not apply in the State with respect to any specified agreement executed on June 19, 2019, and any agreements related to such specified agreement executed on or before December 31, 2020, for a maximum length of nonapplicability of up to 10 years from the date of execution of the contract if the applicable State authority determines that the contract is unlikely to significantly lessen competition. With respect to a specified agreement for which an applicable State authority has made a determination under the preceding sentence, an applicable State authority may determine whether renewal of the contract, within the applicable 10-year period, is allowed. ``(5) Rule of construction.--Except as provided in paragraph (1), nothing in this subsection shall be construed to limit network design or cost or quality initiatives by a group health plan, including accountable care organizations, exclusive provider organizations, networks that tier providers by cost or quality or steer enrollees to centers of excellence, or other pay-for-performance programs.''. (B) Clerical amendment.--The table of contents in section 1 of such Act is amended, in the entry relating to section 9824, by amending such entry to read as follows: ``Sec. 9824. Increasing transparency; prohibition on anticompetitive agreements.''. (C) Regulations.--Not later than 1 year after the date of the enactment of this Act, the Secretary of the Treasury, in consultation with the Secretary of Health and Human Services and the Secretary of Labor, shall promulgate regulations to carry out the amendments made by this paragraph. (b) Effective Date.--The amendments made by subsection (a) shall apply with respect to any contract entered into, amended, or renewed on or after the date that is 18 months after the date of enactment of this Act. <all>\n--- KONIEC DOKUMENTU ---\n\nPAMIĘTAJ: Twoja odpowiedź MUSI być wyłącznie poprawnym obiektem JSON. Nie dodawaj żadnych dodatkowych znaków, komentarzy ani tekstu przed znacznikiem '{' ani po znaczniku '}'. Cała odpowiedź musi być parsowalna jako JSON.\nNa podstawie POWYŻSZEGO dokumentu, wypełnij poniższą strukturę JSON:\nOto struktura JSON, której oczekuję (wypełnij ją treścią):\n{\n  \"pl_ai_title\": \"Nowy, krótki tytuł dla aktu prawnego po polsku, oddający sedno wprowadzanych zmian (np. maksymalnie 10-12 słów).\",\n  \"pl_summary\": \"2-3 zdania zwięzłego podsumowania treści aktu prawnego po polsku, napisane z perspektywy wpływu na życie codzienne obywateli.\",\n  \"pl_key_points\": [\n    \"Pierwszy krótki punkt po polsku dotyczący najważniejszych wprowadzanych rozwiązań lub zmian.\",\n    \"Drugi krótki punkt po polsku...\"\n  ],\n  \"eng_ai_title\": \"A new, short title for the legal act in English, capturing the essence of the changes (e.g., max 10-12 words).\",\n  \"eng_summary\": \"2-3 sentences summarizing the legal act in English, from the perspective of its impact on citizens' daily lives.\",\n  \"eng_key_points\": [\n    \"First short bullet point in English regarding the most important solutions or changes being introduced.\",\n    \"Second short bullet point in English...\"\n  ],\n  \"de_ai_title\": \"Ein neuer, kurzer Titel für das Rechtsdokument auf Deutsch, der den Kern der Änderungen erfasst (z.B. max. 10-12 Wörter).\",\n  \"de_summary\": \"2-3 Sätze Zusammenfassung des Rechtsdokuments auf Deutsch, aus der Perspektive seiner Auswirkungen auf das tägliche Leben der Bürger.\",\n  \"de_key_points\": [\n    \"Erster kurzer Stichpunkt auf Deutsch zu den wichtigsten eingeführten Lösungen oder Änderungen.\",\n    \"Zweiter kurzer Stichpunkt auf Deutsch...\"\n  ],\n  \"fr_ai_title\": \"Un nouveau titre court pour l'acte juridique en français, saisissant l'essence des changements (par exemple, 10-12 mots maximum).\",\n  \"fr_summary\": \"Résumé de 2-3 phrases de l'acte juridique en français, du point de vue de son impact sur la vie quotidienne des citoyens.\",\n  \"fr_key_points\": [\n    \"Premier court point en français concernant les solutions ou changements les plus importants introduits.\",\n    \"Deuxième court point en français...\"\n  ],\n  \"es_ai_title\": \"Un nuevo título breve para el acto jurídico en español, que recoja la esencia de los cambios (por ejemplo, máximo 10-12 palabras).\",\n  \"es_summary\": \"Resumen de 2-3 frases del acto jurídico en español, desde la perspectiva de su impacto en la vida cotidiana de los ciudadanos.\",\n  \"es_key_points\": [\n    \"Primer punto breve en español sobre las soluciones o cambios más importantes que se introducen.\",\n    \"Segundo punto breve en español...\"\n  ],\n  \"it_ai_title\": \"Un nuovo titolo breve per l'atto giuridico in italiano, che colga l'essenza delle modifiche (ad es. massimo 10-12 parole).\",\n  \"it_summary\": \"Riepilogo di 2-3 frasi dell'atto giuridico in italiano, dal punto di vista del suo impatto sulla vita quotidiana dei cittadini.\",\n  \"it_key_points\": [\n    \"Primo breve punto in italiano riguardante le soluzioni o le modifiche più importanti introdotte.\",\n    \"Secondo breve punto in italiano...\"\n  ],\n  \"nl_ai_title\": \"Een nieuwe, korte titel voor de rechtshandeling in het Nederlands, die de essentie van de wijzigingen weergeeft (bijv. max. 10-12 woorden).\",\n  \"nl_summary\": \"Samenvatting van 2-3 zinnen van de rechtshandeling in het Nederlands, vanuit het perspectief van de impact op het dagelijks leven van burgers.\",\n  \"nl_key_points\": [\n    \"Eerste korte punt in het Nederlands betreffende de belangrijkste geïntroduceerde oplossingen of wijzigingen.\",\n    \"Tweede korte punt in het Nederlands...\"\n  ],\n  \"pt_ai_title\": \"Um novo título curto para o ato jurídico em português, capturando a essência das mudanças (por exemplo, máx. 10-12 palavras).\",\n  \"pt_summary\": \"Resumo de 2-3 frases do ato jurídico em português, na perspetiva do seu impacto na vida quotidiana dos cidadãos.\",\n  \"pt_key_points\": [\n    \"Primeiro ponto curto em português sobre as soluções ou alterações mais importantes introduzidas.\",\n    \"Segundo ponto curto em português...\"\n  ],\n  \"category\": [\"Categorize the document into one category by default, based on the field it primarily concerns. Choose up to 3 if the document also touches upon SIGNIFICANT issues from other categories. You MUST select categories ONLY from the following list: Health, Education, Family, Taxes, Labor, Security, Environment, Courts and Law, Transport, Benefits, Real Estate, Media and Culture, Local Government, Migration, Agriculture, Public Investments, Informatization, Economy. If the document does not definitively fit any of these, you MUST use \"Other\". If you use \"Other\", it should be the ONLY category selected. Do NOT invent new categories. The response must be an array of strings, e.g., [\"Taxes\", \"Family\"].\"]\n}\n\n",
      "ai_response_raw": "{\n  \"pl_ai_title\": \"Ustawa o zdrowej konkurencji: łatwiejszy dostęp do tańszej i lepszej opieki medycznej\",\n  \"pl_summary\": \"Ustawa ma na celu obniżenie kosztów leczenia poprzez usunięcie z umów zapisów, które blokują konkurencję między szpitalami a ubezpieczycielami. Dzięki temu pacjenci będą mogli łatwiej korzystać z tańszych i lepszych placówek medycznych, a ubezpieczyciele będą mogli oferować zachęty za wybór konkretnych lekarzy.\",\n  \"pl_key_points\": [\n    \"Zakaz blokowania ubezpieczycielom możliwości kierowania pacjentów do tańszych i lepszych lekarzy.\",\n    \"Koniec z wymuszaniem na ubezpieczycielach podpisywania umów ze wszystkimi placówkami danej sieci (tzw. klauzule wszystko albo nic).\",\n    \"Ubezpieczyciele będą mogli oferować zniżki i bonusy pacjentom wybierającym konkretne, efektywne placówki medyczne.\",\n    \"Zakaz stosowania zapisów, które uniemożliwiają innym ubezpieczycielom negocjowanie niższych stawek za te same usługi.\"\n  ],\n  \"eng_ai_title\": \"Healthy Competition for Better Care Act: Lowering Costs by Removing Restrictive Contracts\",\n  \"eng_summary\": \"This Act aims to lower healthcare costs by removing contract terms that block competition between hospitals and insurers. It allows patients to access higher quality, lower-cost care more easily, and enables insurers to offer incentives for choosing specific providers.\",\n  \"eng_key_points\": [\n    \"Bans terms that prevent insurers from steering patients to higher quality or lower cost providers.\",\n    \"Ends all-or-nothing contracts that force insurers to include every facility in a hospital chain.\",\n    \"Allows insurers to offer financial incentives to patients who choose specific, high-value healthcare providers.\",\n    \"Prohibits clauses that stop other insurance plans from negotiating lower rates for the same medical services.\"\n  ],\n  \"de_ai_title\": \"Gesetz für gesunden Wettbewerb: Leichterer Zugang zu günstigerer und besserer medizinischer Versorgung\",\n  \"de_summary\": \"Dieses Gesetz zielt darauf ab, die Gesundheitskosten zu senken, indem Vertragsklauseln entfernt werden, die den Wettbewerb zwischen Krankenhäusern und Versicherern blockieren. Patienten können so leichter auf qualitativ hochwertige und kostengünstigere Versorgung zugreifen.\",\n  \"de_key_points\": [\n    \"Verbot von Klauseln, die Versicherer daran hindern, Patienten zu besseren oder günstigeren Ärzten zu leiten.\",\n    \"Ende von Alles-oder-Nichts-Verträgen, die Versicherer zwingen, alle Einrichtungen einer Krankenhauskette aufzunehmen.\",\n    \"Versicherer dürfen Patienten finanzielle Anreize bieten, wenn sie sich für bestimmte, effiziente medizinische Einrichtungen entscheiden.\",\n    \"Verbot von Absprachen, die verhindern, dass andere Versicherungen niedrigere Preise für dieselben Leistungen aushandeln.\"\n  ],\n  \"fr_ai_title\": \"Loi sur la saine concurrence : un accès facilité à des soins meilleurs et moins chers\",\n  \"fr_summary\": \"Cette loi vise à réduire les coûts de santé en supprimant les clauses contractuelles qui bloquent la concurrence entre les hôpitaux et les assureurs. Elle permet aux patients d'accéder plus facilement à des soins de qualité à moindre coût.\",\n  \"fr_key_points\": [\n    \"Interdiction des clauses empêchant les assureurs d'orienter les patients vers des médecins moins chers ou de meilleure qualité.\",\n    \"Fin des contrats tout ou rien qui obligent les assureurs à inclure tous les établissements d'une chaîne hospitalière.\",\n    \"Possibilité pour les assureurs d'offrir des incitations financières aux patients choisissant des prestataires de soins spécifiques et efficaces.\",\n    \"Interdiction des accords empêchant d'autres assureurs de négocier des tarifs plus bas pour les mêmes services.\"\n  ],\n  \"es_ai_title\": \"Ley de Competencia Saludable: Acceso más fácil a una atención médica mejor y más barata\",\n  \"es_summary\": \"Esta ley busca reducir los costos de salud al eliminar las cláusulas contractuales que bloquean la competencia entre hospitales y aseguradoras. Esto permitirá a los ciudadanos acceder a una atención de mayor calidad y menor precio.\",\n  \"es_key_points\": [\n    \"Prohibición de cláusulas que impiden a las aseguradoras dirigir a los pacientes hacia médicos más baratos o de mejor calidad.\",\n    \"Fin de los contratos de todo o nada que obligan a las aseguradoras a incluir todos los centros de una red hospitalaria.\",\n    \"Las aseguradoras podrán ofrecer incentivos económicos a los pacientes que elijan centros médicos específicos y eficientes.\",\n    \"Prohibición de acuerdos que impidan a otras aseguradoras negociar tarifas más bajas por los mismos servicios.\"\n  ],\n  \"it_ai_title\": \"Legge sulla sana concorrenza: accesso più facile a cure mediche migliori e meno costose\",\n  \"it_summary\": \"Questa legge mira a ridurre i costi sanitari eliminando le clausole contrattuali che bloccano la concorrenza tra ospedali e assicuratori. I cittadini potranno accedere più facilmente a cure di alta qualità a prezzi inferiori.\",\n  \"it_key_points\": [\n    \"Divieto di clausole che impediscono agli assicuratori di indirizzare i pazienti verso medici più economici o di migliore qualità.\",\n    \"Fine dei contratti tutto o niente che obbligano gli assicuratori a includere tutte le strutture di una catena ospedaliera.\",\n    \"Gli assicuratori potranno offrire incentivi economici ai pazienti che scelgono specifiche strutture mediche efficienti.\",\n    \"Divieto di accordi che impediscono ad altri assicuratori di negoziare tariffe più basse per gli stessi servizi.\"\n  ],\n  \"nl_ai_title\": \"Wet op gezonde concurrentie: gemakkelijker toegang tot goedkopere en betere medische zorg\",\n  \"nl_summary\": \"Deze wet is bedoeld om de zorgkosten te verlagen door contractvoorwaarden te schrappen die de concurrentie tussen ziekenhuizen en verzekeraars blokkeren. Hierdoor krijgen patiënten gemakkelijker toegang tot kwalitatieve en betaalbare zorg.\",\n  \"nl_key_points\": [\n    \"Verbod op voorwaarden die verzekeraars beletten patiënten naar goedkopere of betere artsen te sturen.\",\n    \"Einde aan alles-of-niets-contracten die verzekeraars dwingen alle locaties van een ziekenhuisketen op te nemen.\",\n    \"Verzekeraars mogen financiële extra's aanbieden aan patiënten die kiezen voor specifieke, efficiënte zorginstellingen.\",\n    \"Verbod op afspraken die voorkomen dat andere verzekeraars lagere tarieven onderhandelen voor dezelfde diensten.\"\n  ],\n  \"pt_ai_title\": \"Lei da Concorrência Saudável: Acesso mais fácil a cuidados médicos melhores e mais baratos\",\n  \"pt_summary\": \"Esta lei visa reduzir os custos de saúde ao eliminar cláusulas contratuais que bloqueiam a concorrência entre hospitais e seguradoras. Os cidadãos poderão aceder mais facilmente a cuidados de alta qualidade e menor custo.\",\n  \"pt_key_points\": [\n    \"Proibição de cláusulas que impedem as seguradoras de direcionar pacientes para médicos mais baratos ou de melhor qualidade.\",\n    \"Fim dos contratos de tudo ou nada que obrigam as seguradoras a incluir todas as unidades de uma rede hospitalar.\",\n    \"As seguradoras poderão oferecer incentivos financeiros aos pacientes que escolham unidades de saúde específicas e eficientes.\",\n    \"Proibição de acordos que impeçam outras seguradoras de negociar taxas mais baixas pelos mesmos serviços.\"\n  ],\n  \"category\": [\n    \"Health\",\n    \"Economy\"\n  ]\n}"
    },
    {
      "timestamp": "2026-03-24T12:27:25.689Z",
      "source_url": "https://www.congress.gov/119/bills/s4027/BILLS-119s4027is.htm",
      "model": "gemini-flash-lite-latest",
      "prompt_sent": "\nROLE: Fact Checker.\nZADANIE: Porównaj SOURCE (oryginał) i SUMMARY (streszczenie przygotowane przez inne AI).\n\nTwoim celem jest wykrycie \"ZMYŚLONYCH KONKRETÓW\" (Fabricated Entities) w SUMMARY.\n\nSOURCE:\n[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [S. 4027 Introduced in Senate (IS)] <DOC> 119th CONGRESS 2d Session S. 4027 To ban anticompetitive terms in facility and insurance contracts that limit access to higher quality, lower cost care. _______________________________________________________________________ IN THE SENATE OF THE UNITED STATES March 9, 2026 Mr. Husted introduced the following bill; which was read twice and referred to the Committee on Health, Education, Labor, and Pensions _______________________________________________________________________ A BILL To ban anticompetitive terms in facility and insurance contracts that limit access to higher quality, lower cost care. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``Healthy Competition for Better Care Act''. SEC. 2. BANNING ANTICOMPETITIVE TERMS IN FACILITY AND INSURANCE CONTRACTS THAT LIMIT ACCESS TO HIGHER QUALITY, LOWER COST CARE. (a) In General.-- (1) PHSA.-- (A) In general.--Section 2799A-9 of the Public Health Service Act (42 U.S.C. 300gg-119) is amended-- (i) in the heading, by striking ``by removing'' and all that follows through ``information'' and inserting ``; prohibition on anticompetitive agreements''; (ii) in subsection (a)(5), in the first sentence, by striking ``section'' and inserting ``subsection''; and (iii) by adding at the end the following: ``(b) Protecting Health Plans Network Design Flexibility.-- ``(1) In general.--A group health plan or a health insurance issuer offering group or individual health insurance coverage may not enter into an agreement with a covered entity if such agreement, directly or indirectly-- ``(A) restricts (including by operation of any agreement in effect between such covered entity and another covered entity) the group health plan or health insurance issuer from-- ``(i) directing or steering participants or beneficiaries to other health care providers who are not subject to such agreement; or ``(ii) offering incentives to encourage participants or beneficiaries to utilize specific health care providers; ``(B) requires the group health plan or health insurance issuer to enter into any additional agreement with an affiliate of the covered entity; ``(C) requires the group health plan or health insurance issuer to agree to payment rates or other terms for any affiliate of the covered entity not party to the agreement; or ``(D) restricts other group health plans or health insurance issuers not party to the agreement from paying a lower rate for items or services than the plan or issuer involved in the agreement pays for such items or services. ``(2) Exceptions for certain provider group and value-based network designs.--Paragraph (1)(A) shall not apply to a group health plan or health insurance issuer offering group or individual health insurance coverage with respect to-- ``(A) a health maintenance organization, if such health maintenance organization operates primarily through exclusive contracts with multi-specialty physician groups, nor to any arrangement between such a health maintenance organization and its affiliates; or ``(B) a value-based network arrangement, such as an exclusive provider network, accountable care organization, center of excellence, a provider sponsored health insurance issuer that operates primarily through aligned multi-specialty physician group practices or integrated health systems, or such other similar network arrangements as determined by the Secretary through guidance or rulemaking. ``(3) Covered entity defined.--For purposes of this subsection, the term `covered entity' means a health care provider, network or association of providers, third-party administrator, or other service provider offering access to a network of providers. ``(4) State grandfathering option.--An applicable State authority may make a determination that the prohibitions under paragraph (1)(A) (relating to conditions that would direct or steer enrollees to, or offer incentives to encourage enrollees to use, other health care providers) will not apply in the State with respect to any specified agreement executed on June 19, 2019, and any agreements related to such specified agreement executed on or before December 31, 2020, for a maximum length of nonapplicability of up to 10 years from the date of execution of the contract if the applicable State authority determines that the contract is unlikely to significantly lessen competition. With respect to a specified agreement for which an applicable State authority has made a determination under the preceding sentence, an applicable State authority may determine whether renewal of the contract, within the applicable 10-year period, is allowed. ``(5) Rule of construction.--Except as provided in paragraph (1), nothing in this subsection shall be construed to limit network design or cost or quality initiatives by a group health plan or health insurance issuer, including accountable care organizations, exclusive provider organizations, networks that tier providers by cost or quality or steer enrollees to centers of excellence, or other pay-for-performance programs.''. (B) Regulations.--Not later than 1 year after the date of the enactment of this Act, the Secretary of Health and Human Services, in consultation with the Secretary of Labor and the Secretary of the Treasury, shall promulgate regulations to carry out the amendments made by this paragraph. (2) Employee retirement income security act of 1974.-- (A) In general.--Section 724 of the Employee Retirement Income Security Act of 1974 (29 U.S.C. 1185m) is amended-- (i) in the heading, by striking ``by removing'' and all that follows through ``information'' and inserting ``; prohibition on anticompetitive agreements''; (ii) in subsection (a)(4), in the first sentence, by striking ``section'' and inserting ``subsection''; and (iii) by adding at the end the following: ``(b) Protecting Health Plans Network Design Flexibility.-- ``(1) In general.--A group health plan or a health insurance issuer offering group health insurance coverage may not enter into an agreement with a covered entity if such agreement, directly or indirectly-- ``(A) restricts (including by operation of any agreement in effect between such covered entity and another covered entity) the group health plan or health insurance issuer from-- ``(i) directing or steering participants or beneficiaries to other health care providers who are not subject to such agreement; or ``(ii) offering incentives to encourage participants or beneficiaries to utilize specific health care providers; ``(B) requires the group health plan or health insurance issuer to enter into any additional agreement with an affiliate of the covered entity; ``(C) requires the group health plan or health insurance issuer to agree to payment rates or other terms for any affiliate of the covered entity not party to the agreement; or ``(D) restricts other group health plans or health insurance issuers not party to the agreement from paying a lower rate for items or services than the plan or issuer involved in the agreement pays for such items or services. ``(2) Exceptions for certain provider group and value-based network designs.--Paragraph (1)(A) shall not apply to a group health plan or health insurance issuer offering group health insurance coverage with respect to-- ``(A) a health maintenance organization, if such health maintenance organization operates primarily through exclusive contracts with multi-specialty physician groups, nor to any arrangement between such a health maintenance organization and its affiliates; or ``(B) a value-based network arrangement, such as an exclusive provider network, accountable care organization, center of excellence, a provider sponsored health insurance issuer that operates primarily through aligned multi-specialty physician group practices or integrated health systems, or such other similar network arrangements as determined by the Secretary through guidance or rulemaking. ``(3) Covered entity defined.--For purposes of this subsection, the term `covered entity' means a health care provider, network or association of providers, third-party administrator, or other service provider offering access to a network of providers. ``(4) State grandfathering option.--An applicable State authority may make a determination that the prohibitions under paragraph (1)(A) (relating to conditions that would direct or steer enrollees to, or offer incentives to encourage enrollees to use, other health care providers) will not apply in the State with respect to any specified agreement executed on June 19, 2019, and any agreements related to such specified agreement executed on or before December 31, 2020, for a maximum length of nonapplicability of up to 10 years from the date of execution of the contract if the applicable State authority determines that the contract is unlikely to significantly lessen competition. With respect to a specified agreement for which an applicable State authority has made a determination under the preceding sentence, an applicable State authority may determine whether renewal of the contract, within the applicable 10-year period, is allowed. ``(5) Rule of construction.--Except as provided in paragraph (1), nothing in this subsection shall be construed to limit network design or cost or quality initiatives by a group health plan or health insurance issuer, including accountable care organizations, exclusive provider organizations, networks that tier providers by cost or quality or steer enrollees to centers of excellence, or other pay-for-performance programs.''. (B) Clerical amendment.--The table of contents in section 1 of such Act is amended, in the entry relating to section 724, by amending such entry to read as follows: ``Sec. 724. Increasing transparency; prohibition on anticompetitive agreements.''. (C) Regulations.--Not later than 1 year after the date of the enactment of this Act, the Secretary of Labor, in consultation with the Secretary of Health and Human Services and the Secretary of the Treasury, shall promulgate regulations to carry out the amendments made by this paragraph. (3) IRC.-- (A) In general.--Section 9824 of the Internal Revenue Code of 1986 is amended-- (i) in the header, by striking ``by removing'' and all that follows through ``information'' and inserting ``; prohibition on anticompetitive agreements''; (ii) in subsection (a)(4), in the first sentence, by striking ``section'' and inserting ``subsection''; and (iii) by adding at the end the following: ``(b) Protecting Health Plans Network Design Flexibility.-- ``(1) In general.--A group health plan may not enter into an agreement with a covered entity if such agreement, directly or indirectly-- ``(A) restricts (including by operation of any agreement in effect between such covered entity and another covered entity) the group health plan from-- ``(i) directing or steering participants or beneficiaries to other health care providers who are not subject to such agreement; or ``(ii) offering incentives to encourage participants or beneficiaries to utilize specific health care providers; ``(B) requires the group health plan to enter into any additional agreement with an affiliate of the covered entity; ``(C) requires the group health plan to agree to payment rates or other terms for any affiliate of the covered entity not party to the agreement; or ``(D) restricts other group health plans not party to the agreement from paying a lower rate for items or services than the plan involved in the agreement pays for such items or services. ``(2) Exceptions for certain provider group and value-based network designs.--Paragraph (1)(A) shall not apply to a group health plan with respect to-- ``(A) a health maintenance organization, if such health maintenance organization operates primarily through exclusive contracts with multi-specialty physician groups, nor to any arrangement between such a health maintenance organization and its affiliates; or ``(B) a value-based network arrangement, such as an exclusive provider network, accountable care organization, center of excellence, a provider sponsored health insurance issuer that operates primarily through aligned multi-specialty physician group practices or integrated health systems, or such other similar network arrangements as determined by the Secretary through guidance or rulemaking. ``(3) Covered entity defined.--For purposes of this subsection, the term `covered entity' means a health care provider, network or association of providers, third-party administrator, or other service provider offering access to a network of providers. ``(4) State grandfathering option.--An applicable State authority may make a determination that the prohibitions under paragraph (1)(A) (relating to conditions that would direct or steer enrollees to, or offer incentives to encourage enrollees to use, other health care providers) will not apply in the State with respect to any specified agreement executed on June 19, 2019, and any agreements related to such specified agreement executed on or before December 31, 2020, for a maximum length of nonapplicability of up to 10 years from the date of execution of the contract if the applicable State authority determines that the contract is unlikely to significantly lessen competition. With respect to a specified agreement for which an applicable State authority has made a determination under the preceding sentence, an applicable State authority may determine whether renewal of the contract, within the applicable 10-year period, is allowed. ``(5) Rule of construction.--Except as provided in paragraph (1), nothing in this subsection shall be construed to limit network design or cost or quality initiatives by a group health plan, including accountable care organizations, exclusive provider organizations, networks that tier providers by cost or quality or steer enrollees to centers of excellence, or other pay-for-performance programs.''. (B) Clerical amendment.--The table of contents in section 1 of such Act is amended, in the entry relating to section 9824, by amending such entry to read as follows: ``Sec. 9824. Increasing transparency; prohibition on anticompetitive agreements.''. (C) Regulations.--Not later than 1 year after the date of the enactment of this Act, the Secretary of the Treasury, in consultation with the Secretary of Health and Human Services and the Secretary of Labor, shall promulgate regulations to carry out the amendments made by this paragraph. (b) Effective Date.--The amendments made by subsection (a) shall apply with respect to any contract entered into, amended, or renewed on or after the date that is 18 months after the date of enactment of this Act. <all>\n\nSUMMARY TO EVALUATE:\nTitle: Healthy Competition for Better Care Act: Lowering Costs by Removing Restrictive Contracts\nSummary: This Act aims to lower healthcare costs by removing contract terms that block competition between hospitals and insurers. It allows patients to access higher quality, lower-cost care more easily, and enables insurers to offer incentives for choosing specific providers.\nKey Points: Bans terms that prevent insurers from steering patients to higher quality or lower cost providers., Ends all-or-nothing contracts that force insurers to include every facility in a hospital chain., Allows insurers to offer financial incentives to patients who choose specific, high-value healthcare providers., Prohibits clauses that stop other insurance plans from negotiating lower rates for the same medical services.\n\nZASADY OCENY:\n1. Sprawdź wszystkie LICZBY, DATY i KWOTY w SUMMARY. Jeśli którejś brakuje w SOURCE -> is_valid: false.\n2. Sprawdź wszystkie NAZWISKA, ORGANIZACJE i MIEJSCA w SUMMARY. Jeśli którejś brakuje w SOURCE -> is_valid: false.\n3. Sprawdź wszystkie konkretne DZIAŁANIA PRAWNE . Jeśli tego mechanizmu nie ma w SOURCE -> is_valid: false.\n\nWAŻNE: Abstrakcyjne pojęcia (np. \"transparentność\", \"zaufanie\") są dozwolone jako wnioski.\n\nOUTPUT (JSON):\n{\n  \"is_valid\": true/false,\n  \"issue\": \"fabricated_entity\" / \"contradiction\" / \"none\"\n}\n\nWYMAGANIA FORMATOWANIA:\n1. Odpowiedz WYŁĄCZNIE surowym obiektem JSON.\n2. NIE używaj bloków kodu Markdown.\n3. NIE dodawaj żadnych wstępów ani wyjaśnień przed ani po JSONie.\n4. JSON musi być poprawny i gotowy do parsowania.\n\n",
      "ai_response_raw": "{\n  \"is_valid\": false,\n  \"issue\": \"fabricated_entity\"\n}"
    },
    {
      "timestamp": "2026-03-24T12:18:00.405Z",
      "source_url": "https://www.congress.gov/119/bills/s4027/BILLS-119s4027is.htm",
      "model": "gemini-flash-latest",
      "prompt_sent": "\nJesteś ekspertem od prawa Stanów Zjednoczonych, który ma za zadanie analizować dokumenty ustaw, uchwał oraz innych dokumentów legislacyjnych, a następnie przygotowywać z nich informacje w przystępny sposób dla obywateli. Twoim celem jest przedstawienie informacji tak, aby obywatele mogli sami ocenić wpływ legislacji na ich życie, nawet bez posiadania specjalistycznej wiedzy legislacyjnej. Skup się na faktach i obiektywnych skutkach wprowadzanych zmian, unikając wartościowania i osobistych opinii. Wszelki żargon prawny jest zabroniony. Prezentuj informacje w jasny, zwięzły i angażujący sposób, tak aby były zrozumiałe dla osoby bez wykształcenia prawniczego. Unikaj długich, złożonych zdań. Zamiast pisać \"projekt ma na celu nowelizację kodeksu podatkowego...\", napisz \"Zmiany w podatkach: nowe ulgi i obowiązki dla...\". Kontynuuj swoją pracę, dopóki nie rozwiążesz swojego zadania. Jeśli nie masz pewności co do generowanej treści, przeanalizuj dokument ponownie – nie zgaduj. Rozplanuj dobrze swoje zadanie przed przystąpieniem do niego. W podsumowaniu i kluczowych punktach, jeśli to możliwe i uzasadnione, podkreśl, jakie konkretne korzyści lub skutki (pozytywne lub negatywne) wprowadza ustawa dla życia codziennego obywateli, ich praw i obowiązków, finansów osobistych, bezpieczeństwa i innych ważnych kwestii (np. kategorycznych zakazów i nakazów czy najważniejszych konkretnych alokacji finansowych i terytorialnych).\n\nTwoja odpowiedź MUSI być w formacie JSON - i zawierać następujące klucze.\nZanim zwrócisz odpowiedź, dokładnie zweryfikuj, czy cała struktura JSON jest w 100% poprawna, włącznie ze wszystkimi przecinkami, nawiasami klamrowymi, kwadratowymi oraz cudzysłowami. Błędny JSON jest nieakceptowalny i uniemożliwi przetworzenie Twojej pracy.\n\nPrzeanalizuj dokładnie poniższy tekst dokumentu prawnego. To jest treść, na podstawie której masz wygenerować podsumowanie i kluczowe punkty:\n--- POCZĄTEK DOKUMENTU ---\n[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [S. 4027 Introduced in Senate (IS)] <DOC> 119th CONGRESS 2d Session S. 4027 To ban anticompetitive terms in facility and insurance contracts that limit access to higher quality, lower cost care. _______________________________________________________________________ IN THE SENATE OF THE UNITED STATES March 9, 2026 Mr. Husted introduced the following bill; which was read twice and referred to the Committee on Health, Education, Labor, and Pensions _______________________________________________________________________ A BILL To ban anticompetitive terms in facility and insurance contracts that limit access to higher quality, lower cost care. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``Healthy Competition for Better Care Act''. SEC. 2. BANNING ANTICOMPETITIVE TERMS IN FACILITY AND INSURANCE CONTRACTS THAT LIMIT ACCESS TO HIGHER QUALITY, LOWER COST CARE. (a) In General.-- (1) PHSA.-- (A) In general.--Section 2799A-9 of the Public Health Service Act (42 U.S.C. 300gg-119) is amended-- (i) in the heading, by striking ``by removing'' and all that follows through ``information'' and inserting ``; prohibition on anticompetitive agreements''; (ii) in subsection (a)(5), in the first sentence, by striking ``section'' and inserting ``subsection''; and (iii) by adding at the end the following: ``(b) Protecting Health Plans Network Design Flexibility.-- ``(1) In general.--A group health plan or a health insurance issuer offering group or individual health insurance coverage may not enter into an agreement with a covered entity if such agreement, directly or indirectly-- ``(A) restricts (including by operation of any agreement in effect between such covered entity and another covered entity) the group health plan or health insurance issuer from-- ``(i) directing or steering participants or beneficiaries to other health care providers who are not subject to such agreement; or ``(ii) offering incentives to encourage participants or beneficiaries to utilize specific health care providers; ``(B) requires the group health plan or health insurance issuer to enter into any additional agreement with an affiliate of the covered entity; ``(C) requires the group health plan or health insurance issuer to agree to payment rates or other terms for any affiliate of the covered entity not party to the agreement; or ``(D) restricts other group health plans or health insurance issuers not party to the agreement from paying a lower rate for items or services than the plan or issuer involved in the agreement pays for such items or services. ``(2) Exceptions for certain provider group and value-based network designs.--Paragraph (1)(A) shall not apply to a group health plan or health insurance issuer offering group or individual health insurance coverage with respect to-- ``(A) a health maintenance organization, if such health maintenance organization operates primarily through exclusive contracts with multi-specialty physician groups, nor to any arrangement between such a health maintenance organization and its affiliates; or ``(B) a value-based network arrangement, such as an exclusive provider network, accountable care organization, center of excellence, a provider sponsored health insurance issuer that operates primarily through aligned multi-specialty physician group practices or integrated health systems, or such other similar network arrangements as determined by the Secretary through guidance or rulemaking. ``(3) Covered entity defined.--For purposes of this subsection, the term `covered entity' means a health care provider, network or association of providers, third-party administrator, or other service provider offering access to a network of providers. ``(4) State grandfathering option.--An applicable State authority may make a determination that the prohibitions under paragraph (1)(A) (relating to conditions that would direct or steer enrollees to, or offer incentives to encourage enrollees to use, other health care providers) will not apply in the State with respect to any specified agreement executed on June 19, 2019, and any agreements related to such specified agreement executed on or before December 31, 2020, for a maximum length of nonapplicability of up to 10 years from the date of execution of the contract if the applicable State authority determines that the contract is unlikely to significantly lessen competition. With respect to a specified agreement for which an applicable State authority has made a determination under the preceding sentence, an applicable State authority may determine whether renewal of the contract, within the applicable 10-year period, is allowed. ``(5) Rule of construction.--Except as provided in paragraph (1), nothing in this subsection shall be construed to limit network design or cost or quality initiatives by a group health plan or health insurance issuer, including accountable care organizations, exclusive provider organizations, networks that tier providers by cost or quality or steer enrollees to centers of excellence, or other pay-for-performance programs.''. (B) Regulations.--Not later than 1 year after the date of the enactment of this Act, the Secretary of Health and Human Services, in consultation with the Secretary of Labor and the Secretary of the Treasury, shall promulgate regulations to carry out the amendments made by this paragraph. (2) Employee retirement income security act of 1974.-- (A) In general.--Section 724 of the Employee Retirement Income Security Act of 1974 (29 U.S.C. 1185m) is amended-- (i) in the heading, by striking ``by removing'' and all that follows through ``information'' and inserting ``; prohibition on anticompetitive agreements''; (ii) in subsection (a)(4), in the first sentence, by striking ``section'' and inserting ``subsection''; and (iii) by adding at the end the following: ``(b) Protecting Health Plans Network Design Flexibility.-- ``(1) In general.--A group health plan or a health insurance issuer offering group health insurance coverage may not enter into an agreement with a covered entity if such agreement, directly or indirectly-- ``(A) restricts (including by operation of any agreement in effect between such covered entity and another covered entity) the group health plan or health insurance issuer from-- ``(i) directing or steering participants or beneficiaries to other health care providers who are not subject to such agreement; or ``(ii) offering incentives to encourage participants or beneficiaries to utilize specific health care providers; ``(B) requires the group health plan or health insurance issuer to enter into any additional agreement with an affiliate of the covered entity; ``(C) requires the group health plan or health insurance issuer to agree to payment rates or other terms for any affiliate of the covered entity not party to the agreement; or ``(D) restricts other group health plans or health insurance issuers not party to the agreement from paying a lower rate for items or services than the plan or issuer involved in the agreement pays for such items or services. ``(2) Exceptions for certain provider group and value-based network designs.--Paragraph (1)(A) shall not apply to a group health plan or health insurance issuer offering group health insurance coverage with respect to-- ``(A) a health maintenance organization, if such health maintenance organization operates primarily through exclusive contracts with multi-specialty physician groups, nor to any arrangement between such a health maintenance organization and its affiliates; or ``(B) a value-based network arrangement, such as an exclusive provider network, accountable care organization, center of excellence, a provider sponsored health insurance issuer that operates primarily through aligned multi-specialty physician group practices or integrated health systems, or such other similar network arrangements as determined by the Secretary through guidance or rulemaking. ``(3) Covered entity defined.--For purposes of this subsection, the term `covered entity' means a health care provider, network or association of providers, third-party administrator, or other service provider offering access to a network of providers. ``(4) State grandfathering option.--An applicable State authority may make a determination that the prohibitions under paragraph (1)(A) (relating to conditions that would direct or steer enrollees to, or offer incentives to encourage enrollees to use, other health care providers) will not apply in the State with respect to any specified agreement executed on June 19, 2019, and any agreements related to such specified agreement executed on or before December 31, 2020, for a maximum length of nonapplicability of up to 10 years from the date of execution of the contract if the applicable State authority determines that the contract is unlikely to significantly lessen competition. With respect to a specified agreement for which an applicable State authority has made a determination under the preceding sentence, an applicable State authority may determine whether renewal of the contract, within the applicable 10-year period, is allowed. ``(5) Rule of construction.--Except as provided in paragraph (1), nothing in this subsection shall be construed to limit network design or cost or quality initiatives by a group health plan or health insurance issuer, including accountable care organizations, exclusive provider organizations, networks that tier providers by cost or quality or steer enrollees to centers of excellence, or other pay-for-performance programs.''. (B) Clerical amendment.--The table of contents in section 1 of such Act is amended, in the entry relating to section 724, by amending such entry to read as follows: ``Sec. 724. Increasing transparency; prohibition on anticompetitive agreements.''. (C) Regulations.--Not later than 1 year after the date of the enactment of this Act, the Secretary of Labor, in consultation with the Secretary of Health and Human Services and the Secretary of the Treasury, shall promulgate regulations to carry out the amendments made by this paragraph. (3) IRC.-- (A) In general.--Section 9824 of the Internal Revenue Code of 1986 is amended-- (i) in the header, by striking ``by removing'' and all that follows through ``information'' and inserting ``; prohibition on anticompetitive agreements''; (ii) in subsection (a)(4), in the first sentence, by striking ``section'' and inserting ``subsection''; and (iii) by adding at the end the following: ``(b) Protecting Health Plans Network Design Flexibility.-- ``(1) In general.--A group health plan may not enter into an agreement with a covered entity if such agreement, directly or indirectly-- ``(A) restricts (including by operation of any agreement in effect between such covered entity and another covered entity) the group health plan from-- ``(i) directing or steering participants or beneficiaries to other health care providers who are not subject to such agreement; or ``(ii) offering incentives to encourage participants or beneficiaries to utilize specific health care providers; ``(B) requires the group health plan to enter into any additional agreement with an affiliate of the covered entity; ``(C) requires the group health plan to agree to payment rates or other terms for any affiliate of the covered entity not party to the agreement; or ``(D) restricts other group health plans not party to the agreement from paying a lower rate for items or services than the plan involved in the agreement pays for such items or services. ``(2) Exceptions for certain provider group and value-based network designs.--Paragraph (1)(A) shall not apply to a group health plan with respect to-- ``(A) a health maintenance organization, if such health maintenance organization operates primarily through exclusive contracts with multi-specialty physician groups, nor to any arrangement between such a health maintenance organization and its affiliates; or ``(B) a value-based network arrangement, such as an exclusive provider network, accountable care organization, center of excellence, a provider sponsored health insurance issuer that operates primarily through aligned multi-specialty physician group practices or integrated health systems, or such other similar network arrangements as determined by the Secretary through guidance or rulemaking. ``(3) Covered entity defined.--For purposes of this subsection, the term `covered entity' means a health care provider, network or association of providers, third-party administrator, or other service provider offering access to a network of providers. ``(4) State grandfathering option.--An applicable State authority may make a determination that the prohibitions under paragraph (1)(A) (relating to conditions that would direct or steer enrollees to, or offer incentives to encourage enrollees to use, other health care providers) will not apply in the State with respect to any specified agreement executed on June 19, 2019, and any agreements related to such specified agreement executed on or before December 31, 2020, for a maximum length of nonapplicability of up to 10 years from the date of execution of the contract if the applicable State authority determines that the contract is unlikely to significantly lessen competition. With respect to a specified agreement for which an applicable State authority has made a determination under the preceding sentence, an applicable State authority may determine whether renewal of the contract, within the applicable 10-year period, is allowed. ``(5) Rule of construction.--Except as provided in paragraph (1), nothing in this subsection shall be construed to limit network design or cost or quality initiatives by a group health plan, including accountable care organizations, exclusive provider organizations, networks that tier providers by cost or quality or steer enrollees to centers of excellence, or other pay-for-performance programs.''. (B) Clerical amendment.--The table of contents in section 1 of such Act is amended, in the entry relating to section 9824, by amending such entry to read as follows: ``Sec. 9824. Increasing transparency; prohibition on anticompetitive agreements.''. (C) Regulations.--Not later than 1 year after the date of the enactment of this Act, the Secretary of the Treasury, in consultation with the Secretary of Health and Human Services and the Secretary of Labor, shall promulgate regulations to carry out the amendments made by this paragraph. (b) Effective Date.--The amendments made by subsection (a) shall apply with respect to any contract entered into, amended, or renewed on or after the date that is 18 months after the date of enactment of this Act. <all>\n--- KONIEC DOKUMENTU ---\n\nPAMIĘTAJ: Twoja odpowiedź MUSI być wyłącznie poprawnym obiektem JSON. Nie dodawaj żadnych dodatkowych znaków, komentarzy ani tekstu przed znacznikiem '{' ani po znaczniku '}'. Cała odpowiedź musi być parsowalna jako JSON.\nNa podstawie POWYŻSZEGO dokumentu, wypełnij poniższą strukturę JSON:\nOto struktura JSON, której oczekuję (wypełnij ją treścią):\n{\n  \"pl_ai_title\": \"Nowy, krótki tytuł dla aktu prawnego po polsku, oddający sedno wprowadzanych zmian (np. maksymalnie 10-12 słów).\",\n  \"pl_summary\": \"2-3 zdania zwięzłego podsumowania treści aktu prawnego po polsku, napisane z perspektywy wpływu na życie codzienne obywateli.\",\n  \"pl_key_points\": [\n    \"Pierwszy krótki punkt po polsku dotyczący najważniejszych wprowadzanych rozwiązań lub zmian.\",\n    \"Drugi krótki punkt po polsku...\"\n  ],\n  \"eng_ai_title\": \"A new, short title for the legal act in English, capturing the essence of the changes (e.g., max 10-12 words).\",\n  \"eng_summary\": \"2-3 sentences summarizing the legal act in English, from the perspective of its impact on citizens' daily lives.\",\n  \"eng_key_points\": [\n    \"First short bullet point in English regarding the most important solutions or changes being introduced.\",\n    \"Second short bullet point in English...\"\n  ],\n  \"de_ai_title\": \"Ein neuer, kurzer Titel für das Rechtsdokument auf Deutsch, der den Kern der Änderungen erfasst (z.B. max. 10-12 Wörter).\",\n  \"de_summary\": \"2-3 Sätze Zusammenfassung des Rechtsdokuments auf Deutsch, aus der Perspektive seiner Auswirkungen auf das tägliche Leben der Bürger.\",\n  \"de_key_points\": [\n    \"Erster kurzer Stichpunkt auf Deutsch zu den wichtigsten eingeführten Lösungen oder Änderungen.\",\n    \"Zweiter kurzer Stichpunkt auf Deutsch...\"\n  ],\n  \"fr_ai_title\": \"Un nouveau titre court pour l'acte juridique en français, saisissant l'essence des changements (par exemple, 10-12 mots maximum).\",\n  \"fr_summary\": \"Résumé de 2-3 phrases de l'acte juridique en français, du point de vue de son impact sur la vie quotidienne des citoyens.\",\n  \"fr_key_points\": [\n    \"Premier court point en français concernant les solutions ou changements les plus importants introduits.\",\n    \"Deuxième court point en français...\"\n  ],\n  \"es_ai_title\": \"Un nuevo título breve para el acto jurídico en español, que recoja la esencia de los cambios (por ejemplo, máximo 10-12 palabras).\",\n  \"es_summary\": \"Resumen de 2-3 frases del acto jurídico en español, desde la perspectiva de su impacto en la vida cotidiana de los ciudadanos.\",\n  \"es_key_points\": [\n    \"Primer punto breve en español sobre las soluciones o cambios más importantes que se introducen.\",\n    \"Segundo punto breve en español...\"\n  ],\n  \"it_ai_title\": \"Un nuovo titolo breve per l'atto giuridico in italiano, che colga l'essenza delle modifiche (ad es. massimo 10-12 parole).\",\n  \"it_summary\": \"Riepilogo di 2-3 frasi dell'atto giuridico in italiano, dal punto di vista del suo impatto sulla vita quotidiana dei cittadini.\",\n  \"it_key_points\": [\n    \"Primo breve punto in italiano riguardante le soluzioni o le modifiche più importanti introdotte.\",\n    \"Secondo breve punto in italiano...\"\n  ],\n  \"nl_ai_title\": \"Een nieuwe, korte titel voor de rechtshandeling in het Nederlands, die de essentie van de wijzigingen weergeeft (bijv. max. 10-12 woorden).\",\n  \"nl_summary\": \"Samenvatting van 2-3 zinnen van de rechtshandeling in het Nederlands, vanuit het perspectief van de impact op het dagelijks leven van burgers.\",\n  \"nl_key_points\": [\n    \"Eerste korte punt in het Nederlands betreffende de belangrijkste geïntroduceerde oplossingen of wijzigingen.\",\n    \"Tweede korte punt in het Nederlands...\"\n  ],\n  \"pt_ai_title\": \"Um novo título curto para o ato jurídico em português, capturando a essência das mudanças (por exemplo, máx. 10-12 palavras).\",\n  \"pt_summary\": \"Resumo de 2-3 frases do ato jurídico em português, na perspetiva do seu impacto na vida quotidiana dos cidadãos.\",\n  \"pt_key_points\": [\n    \"Primeiro ponto curto em português sobre as soluções ou alterações mais importantes introduzidas.\",\n    \"Segundo ponto curto em português...\"\n  ],\n  \"category\": [\"Categorize the document into one category by default, based on the field it primarily concerns. Choose up to 3 if the document also touches upon SIGNIFICANT issues from other categories. You MUST select categories ONLY from the following list: Health, Education, Family, Taxes, Labor, Security, Environment, Courts and Law, Transport, Benefits, Real Estate, Media and Culture, Local Government, Migration, Agriculture, Public Investments, Informatization, Economy. If the document does not definitively fit any of these, you MUST use \"Other\". If you use \"Other\", it should be the ONLY category selected. Do NOT invent new categories. The response must be an array of strings, e.g., [\"Taxes\", \"Family\"].\"]\n}\n\n",
      "ai_response_raw": "{\n  \"pl_ai_title\": \"Ustawa o zdrowej konkurencji: łatwiejszy dostęp do tańszej i lepszej opieki medycznej\",\n  \"pl_summary\": \"Ustawa ma na celu obniżenie kosztów leczenia poprzez usunięcie z umów zapisów, które blokują konkurencję między szpitalami a ubezpieczycielami. Dzięki temu pacjenci będą mogli łatwiej korzystać z tańszych i lepszych placówek medycznych, a ubezpieczyciele będą mogli oferować zachęty za wybór konkretnych lekarzy.\",\n  \"pl_key_points\": [\n    \"Zakaz blokowania ubezpieczycielom możliwości kierowania pacjentów do tańszych i lepszych lekarzy.\",\n    \"Koniec z wymuszaniem na ubezpieczycielach podpisywania umów ze wszystkimi placówkami danej sieci (tzw. klauzule wszystko albo nic).\",\n    \"Ubezpieczyciele będą mogli oferować zniżki i bonusy pacjentom wybierającym konkretne, efektywne placówki medyczne.\",\n    \"Zakaz stosowania zapisów, które uniemożliwiają innym ubezpieczycielom negocjowanie niższych stawek za te same usługi.\"\n  ],\n  \"eng_ai_title\": \"Healthy Competition for Better Care Act: Lowering Costs by Removing Restrictive Contracts\",\n  \"eng_summary\": \"This Act aims to lower healthcare costs by removing contract terms that block competition between hospitals and insurers. It allows patients to access higher quality, lower-cost care more easily, and enables insurers to offer incentives for choosing specific providers.\",\n  \"eng_key_points\": [\n    \"Bans terms that prevent insurers from steering patients to higher quality or lower cost providers.\",\n    \"Ends all-or-nothing contracts that force insurers to include every facility in a hospital chain.\",\n    \"Allows insurers to offer financial incentives to patients who choose specific, high-value healthcare providers.\",\n    \"Prohibits clauses that stop other insurance plans from negotiating lower rates for the same medical services.\"\n  ],\n  \"de_ai_title\": \"Gesetz für gesunden Wettbewerb: Leichterer Zugang zu günstigerer und besserer medizinischer Versorgung\",\n  \"de_summary\": \"Dieses Gesetz zielt darauf ab, die Gesundheitskosten zu senken, indem Vertragsklauseln entfernt werden, die den Wettbewerb zwischen Krankenhäusern und Versicherern blockieren. Patienten können so leichter auf qualitativ hochwertige und kostengünstigere Versorgung zugreifen.\",\n  \"de_key_points\": [\n    \"Verbot von Klauseln, die Versicherer daran hindern, Patienten zu besseren oder günstigeren Ärzten zu leiten.\",\n    \"Ende von Alles-oder-Nichts-Verträgen, die Versicherer zwingen, alle Einrichtungen einer Krankenhauskette aufzunehmen.\",\n    \"Versicherer dürfen Patienten finanzielle Anreize bieten, wenn sie sich für bestimmte, effiziente medizinische Einrichtungen entscheiden.\",\n    \"Verbot von Absprachen, die verhindern, dass andere Versicherungen niedrigere Preise für dieselben Leistungen aushandeln.\"\n  ],\n  \"fr_ai_title\": \"Loi sur la saine concurrence : un accès facilité à des soins meilleurs et moins chers\",\n  \"fr_summary\": \"Cette loi vise à réduire les coûts de santé en supprimant les clauses contractuelles qui bloquent la concurrence entre les hôpitaux et les assureurs. Elle permet aux patients d'accéder plus facilement à des soins de qualité à moindre coût.\",\n  \"fr_key_points\": [\n    \"Interdiction des clauses empêchant les assureurs d'orienter les patients vers des médecins moins chers ou de meilleure qualité.\",\n    \"Fin des contrats tout ou rien qui obligent les assureurs à inclure tous les établissements d'une chaîne hospitalière.\",\n    \"Possibilité pour les assureurs d'offrir des incitations financières aux patients choisissant des prestataires de soins spécifiques et efficaces.\",\n    \"Interdiction des accords empêchant d'autres assureurs de négocier des tarifs plus bas pour les mêmes services.\"\n  ],\n  \"es_ai_title\": \"Ley de Competencia Saludable: Acceso más fácil a una atención médica mejor y más barata\",\n  \"es_summary\": \"Esta ley busca reducir los costos de salud al eliminar las cláusulas contractuales que bloquean la competencia entre hospitales y aseguradoras. Esto permitirá a los ciudadanos acceder a una atención de mayor calidad y menor precio.\",\n  \"es_key_points\": [\n    \"Prohibición de cláusulas que impiden a las aseguradoras dirigir a los pacientes hacia médicos más baratos o de mejor calidad.\",\n    \"Fin de los contratos de todo o nada que obligan a las aseguradoras a incluir todos los centros de una red hospitalaria.\",\n    \"Las aseguradoras podrán ofrecer incentivos económicos a los pacientes que elijan centros médicos específicos y eficientes.\",\n    \"Prohibición de acuerdos que impidan a otras aseguradoras negociar tarifas más bajas por los mismos servicios.\"\n  ],\n  \"it_ai_title\": \"Legge sulla sana concorrenza: accesso più facile a cure mediche migliori e meno costose\",\n  \"it_summary\": \"Questa legge mira a ridurre i costi sanitari eliminando le clausole contrattuali che bloccano la concorrenza tra ospedali e assicuratori. I cittadini potranno accedere più facilmente a cure di alta qualità a prezzi inferiori.\",\n  \"it_key_points\": [\n    \"Divieto di clausole che impediscono agli assicuratori di indirizzare i pazienti verso medici più economici o di migliore qualità.\",\n    \"Fine dei contratti tutto o niente che obbligano gli assicuratori a includere tutte le strutture di una catena ospedaliera.\",\n    \"Gli assicuratori potranno offrire incentivi economici ai pazienti che scelgono specifiche strutture mediche efficienti.\",\n    \"Divieto di accordi che impediscono ad altri assicuratori di negoziare tariffe più basse per gli stessi servizi.\"\n  ],\n  \"nl_ai_title\": \"Wet op gezonde concurrentie: gemakkelijker toegang tot goedkopere en betere medische zorg\",\n  \"nl_summary\": \"Deze wet is bedoeld om de zorgkosten te verlagen door contractvoorwaarden te schrappen die de concurrentie tussen ziekenhuizen en verzekeraars blokkeren. Hierdoor krijgen patiënten gemakkelijker toegang tot kwalitatieve en betaalbare zorg.\",\n  \"nl_key_points\": [\n    \"Verbod op voorwaarden die verzekeraars beletten patiënten naar goedkopere of betere artsen te sturen.\",\n    \"Einde aan alles-of-niets-contracten die verzekeraars dwingen alle locaties van een ziekenhuisketen op te nemen.\",\n    \"Verzekeraars mogen financiële extra's aanbieden aan patiënten die kiezen voor specifieke, efficiënte zorginstellingen.\",\n    \"Verbod op afspraken die voorkomen dat andere verzekeraars lagere tarieven onderhandelen voor dezelfde diensten.\"\n  ],\n  \"pt_ai_title\": \"Lei da Concorrência Saudável: Acesso mais fácil a cuidados médicos melhores e mais baratos\",\n  \"pt_summary\": \"Esta lei visa reduzir os custos de saúde ao eliminar cláusulas contratuais que bloqueiam a concorrência entre hospitais e seguradoras. Os cidadãos poderão aceder mais facilmente a cuidados de alta qualidade e menor custo.\",\n  \"pt_key_points\": [\n    \"Proibição de cláusulas que impedem as seguradoras de direcionar pacientes para médicos mais baratos ou de melhor qualidade.\",\n    \"Fim dos contratos de tudo ou nada que obrigam as seguradoras a incluir todas as unidades de uma rede hospitalar.\",\n    \"As seguradoras poderão oferecer incentivos financeiros aos pacientes que escolham unidades de saúde específicas e eficientes.\",\n    \"Proibição de acordos que impeçam outras seguradoras de negociar taxas mais baixas pelos mesmos serviços.\"\n  ],\n  \"category\": [\n    \"Health\",\n    \"Economy\"\n  ]\n}"
    }
  ]
}