{"data":{"id":"us-ri/r.i.-gen.-laws-27-60-5","jurisdiction":"us-ri","citation":"R.I. Gen. Laws § 27-60-5","heading":"Justification of adverse insurance decisions.","body":"A health carrier that takes an action that adversely affects a subject of abuse on the basis of a medical condition that the health carrier knows or has reason to know is abuse-related shall explain the reason for its action to the applicant or insured, in writing, and shall be able to demonstrate that its action, and any applicable plan provision:\n(1) Does not have the purpose or effect of treating abuse status as a medical condition or underwriting criterion;\n(2) Is not based upon any actual or perceived correlation between a medical condition and abuse;\n(3) Is permissible by law and applies in the same manner and to the same extent to all applicants and the insured with a similar medical condition without regard to whether the condition or claim is abuse-related; and\n(4) Is based on a determination, made in conformance with sound actuarial principles and supported by reasonable statistical evidence, that there is a correlation between the medical condition and a material increase in insurance risk.","path":["Title 27 Insurance","Chapter 60 Unfair Discrimination Against Subjects of Abuse in Health Benefit Plans Act"],"source_url":"https://webserver.rilegislature.gov/Statutes/TITLE27/27-60/27-60-5.htm","current_through":"site files published 2025-08-13","vintage":"","retrieved_at":"2026-09-05T19:57:43Z","sha256":"b7352f8463abbed2fe002868442483cc4e07fa438bf978e25db99091cce347de","source_id":"us-ri","stale":true,"prev":"us-ri/r.i.-gen.-laws-27-60-4","next":"us-ri/r.i.-gen.-laws-27-60-6"},"notice":"GroundRules: Original legal text. Not legal advice."}