---
type: "Bill"
title: "Health insurance; short-term limited-duration medical plans, definitions, effective date."
description: "Health insurance; short-term limited-durationmedical plans. Prohibits carriers from issuing in the Commonwealthany short-term limited-duration medical plan with a duration that exceeds three months or that can be renewed or extended, or if theplan's issuance would result in a covered person being covered bya short-term limited-duration medical plan for more than three monthsin any 12-month period. The measure prohibits a carrier from issuing a short-term limited-duration medical plan during an annual openenrollment period. The measure also requires carriers to rebate premiumsfrom short-term limited-duration medical plans when the medical loss ratio for such plans is less than 85 percent."
jurisdiction: "us/states/va"
legislature: "Virginia General Assembly"
session: "2020"
identifier: "SB 404"
citation: "Virginia SB 404 (2020)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: ["Ghazala F. Hashmi"]
version_count: 5
action_count: 48
vote_count: 9
first_action: "2020-01-07"
last_action: "2020-04-10"
source: "openstates"
source_identifier: "ocd-bill/e90d2ce2-b3ab-4f2f-aea2-17357bb191fe"
source_url: "https://lis.virginia.gov/cgi-bin/legp604.exe?201+sum+SB404"
source_hash: "a16be11b0060c1ac84a20d62e65403fe3f7a5f2d22acda9bba883dc9070524f1"
vintage: "2026-07-01"
source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
retrieved_at: "2026-07-06"
confidence: "reported"
tags: ["legislation", "bill", "us-va"]
---

# Virginia SB 404 (2020) — Health insurance; short-term limited-duration medical plans, definitions, effective date.

Health insurance; short-term limited-durationmedical plans. Prohibits carriers from issuing in the Commonwealthany short-term limited-duration medical plan with a duration that exceeds three months or that can be renewed or extended, or if theplan's issuance would result in a covered person being covered bya short-term limited-duration medical plan for more than three monthsin any 12-month period. The measure prohibits a carrier from issuing a short-term limited-duration medical plan during an annual openenrollment period. The measure also requires carriers to rebate premiumsfrom short-term limited-duration medical plans when the medical loss ratio for such plans is less than 85 percent.

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **Acts of Assembly Chapter text (CHAP1077)** (committee substitute) — [source](https://lis.virginia.gov/cgi-bin/legp604.exe?201+ful+CHAP1077)
2. **Bill text as passed Senate and House (SB404ER)** (committee substitute) — [source](https://lis.virginia.gov/cgi-bin/legp604.exe?201+ful+SB404ER)
3. **Engrossed by House - committee substitute SB404H1** (committee substitute) — [source](https://lis.virginia.gov/cgi-bin/legp604.exe?201+ful+SB404H1)
4. **Engrossed by Senate as amended SB404E** (committee substitute) — [source](https://lis.virginia.gov/cgi-bin/legp604.exe?201+ful+SB404E)
5. **Impact statement from SCC (SB404)** (committee substitute) — [source](https://lis.virginia.gov/cgi-bin/legp604.exe?201+ful+SB404)

## Votes

- Constitutional reading dispensed (40-Y 0-N) — **40–0** (pass) · upper
- House substitute rejected by Senate (0-Y 40-N) — **0–40** (fail) · upper
- Conference report agreed to by Senate (21-Y 19-N) — **21–19** (pass) · upper
- Senate acceded to request (35-Y 2-N) — **35–2** (pass) · upper
- VOTE: Adoption (55-Y 43-N) — **54–43** (pass) · lower
- Reported from Labor and Commerce with substitute (12-Y 9-N) — **12–9** (pass) · lower
- VOTE: Passage (54-Y 43-N) — **53–43** (pass) · lower
- Read third time and passed Senate (20-Y 20-N) — **20–20** (fail) · upper
- Reported from Commerce and Labor with amendments (8-Y 7-N) — **8–7** (pass) · upper

## Sponsors

- Ghazala F. Hashmi — primary (person)
- Sam Rasoul — cosponsor (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2020-01-07** Prefiled and ordered printed; offered 01/08/20 20102773D `introduction`
- **2020-01-07** Referred to Committee on Commerce and Labor `referral-committee`
- **2020-01-17** Impact statement from SCC (SB404)
- **2020-01-27** Reported from Commerce and Labor with amendments (8-Y 7-N) `committee-passage`
- **2020-01-29** Constitutional reading dispensed (40-Y 0-N)
- **2020-01-30** Passed by for the day
- **2020-01-31** Passed by for the day
- **2020-02-03** Passed by for the day
- **2020-02-04** Read second time `reading-2`
- **2020-02-04** Reading of amendments waived
- **2020-02-04** Committee amendments agreed to
- **2020-02-04** Reading of amendments waived
- **2020-02-04** Amendments by Senator Barker agreed to `amendment-passage`
- **2020-02-04** Engrossed by Senate as amended SB404E
- **2020-02-04** Printed as engrossed 20102773D-E
- **2020-02-05** Passed by for the day
- **2020-02-06** Read third time and passed Senate (20-Y 20-N) `passage, reading-3`
- **2020-02-06** Chair votes Yes
- **2020-02-10** Impact statement from SCC (SB404E)
- **2020-02-13** Placed on Calendar
- **2020-02-13** Read first time `reading-1`
- **2020-02-13** Referred to Committee on Labor and Commerce `referral-committee`
- **2020-02-18** Reported from Labor and Commerce with substitute (12-Y 9-N) `committee-passage`
- **2020-02-18** Committee substitute printed 20108547D-H1 `substitution`
- **2020-02-20** Read second time `reading-2`
- **2020-02-21** Read third time `reading-3`
- **2020-02-21** Committee substitute agreed to 20108547D-H1
- **2020-02-21** Engrossed by House - committee substitute SB404H1
- **2020-02-21** Passed House with substitute (54-Y 43-N) `passage`
- **2020-02-21** VOTE: Passage (54-Y 43-N)
- **2020-02-21** Impact statement from SCC (SB404H1)
- **2020-02-25** House substitute rejected by Senate (0-Y 40-N)
- **2020-02-26** House insisted on substitute
- **2020-02-26** House requested conference committee
- **2020-02-28** Senate acceded to request (35-Y 2-N)
- **2020-02-28** Conferees appointed by Senate
- **2020-03-02** Conferees appointed by House
- **2020-03-05** Amended by conference committee
- **2020-03-05** Conference report agreed to by House (55-Y 43-N)
- **2020-03-05** VOTE: Adoption (55-Y 43-N)
- **2020-03-07** Conference report agreed to by Senate (21-Y 19-N)
- **2020-03-18** Enrolled
- **2020-03-18** Signed by President
- **2020-03-19** Signed by Speaker
- **2020-03-20** Impact statement from SCC (SB404ER)
- **2020-03-20** Enrolled Bill Communicated to Governor on March 20, 2020
- **2020-03-20** Governor's Action Deadline 11:59 p.m., April 11, 2020
- **2020-04-10** Approved by Governor-Chapter 1077 (effective 7/1/21) `executive-signature`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/e90d2ce2-b3ab-4f2f-aea2-17357bb191fe`. Confidence: reported (aggregated from official Virginia legislature records).