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---
type: "Bill"
title: "Stop-loss insurance coverage."
description: "Existing law prohibits a person from transacting any class of insurance business, including health insurance, in this state without first being an admitted insurer. Under existing law, admission is secured by procuring a certificate of authority from the Insurance Commissioner. Existing law prohibits a health insurance policy from being issued or delivered to any person in this state unless specified requirements have been met, including that a copy of the form and premium rates are filed with the commissioner. Under existing law, if the commissioner notifies the health insurer that the filed form does not comply with specified requirements, it is unlawful for that health insurer to issue any health insurance policy in that form."
jurisdiction: "us/states/ca"
legislature: "California Legislature"
session: "20132014"
identifier: "SB 161"
citation: "California SB 161 (20132014)"
classification: ["bill"]
subjects: ["Stop-loss insurance coverage."]
status: "enacted"
primary_sponsors: ["Hernandez"]
version_count: 8
action_count: 27
vote_count: 7
first_action: "2013-02-01"
last_action: "2013-10-01"
source: "openstates"
source_identifier: "ocd-bill/35be31e8-01c8-4b1c-98d4-42494613291d"
source_url: "http://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201320140SB161"
source_hash: "cd9222bffee9d0c80d9b32cdedd010a31e400d5f6362c676a430baa1982ff206"
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-ca"]
---
# California SB 161 (20132014) — Stop-loss insurance coverage.
Existing law prohibits a person from transacting any class of insurance business, including health insurance, in this state without first being an admitted insurer. Under existing law, admission is secured by procuring a certificate of authority from the Insurance Commissioner. Existing law prohibits a health insurance policy from being issued or delivered to any person in this state unless specified requirements have been met, including that a copy of the form and premium rates are filed with the commissioner. Under existing law, if the commissioner notifies the health insurer that the filed form does not comply with specified requirements, it is unlawful for that health insurer to issue any health insurance policy in that form.
## Version chain
The bill's text revisions, in order — the diff chain from filing to enrollment.
1. **02/01/13 - Introduced** (filed) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201320140SB161&version=20130SB16199INT)
2. **04/25/13 - Amended Senate** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201320140SB161&version=20130SB16198AMD)
3. **05/28/13 - Amended Senate** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201320140SB161&version=20130SB16197AMD)
4. **06/25/13 - Amended Assembly** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201320140SB161&version=20130SB16196AMD)
5. **08/06/13 - Amended Assembly** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201320140SB161&version=20130SB16195AMD)
6. **10/01/13 - Chaptered** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201320140SB161&version=20130SB16193CHP)
7. **SB161** (committee substitute) — [source](http://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201320140SB161)
8. **09/03/13 - Enrolled** (enrolled) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201320140SB161&version=20130SB16194ENR)
## Votes
- SB 161 Hernandez Senate Third Reading By PEREA — **5121** (pass) · lower
- Unfinished Business SB161 Hernandez Concurrence — **2511** (pass) · upper
- Do pass. — **41** (pass) · upper
- Do pass as amended and be re-referred to the Committee on Appropriations. — **163** (pass) · lower
- 3rd Reading — **324** (pass) · upper
- Do pass, but re-refer to the Committee on Appropriations. — **72** (pass) · upper
- Do pass. — **143** (pass) · lower
## Sponsors
- Hernandez — primary (person)
## Timeline
The legislative action history — every referral, reading, and vote.
- **2013-02-01** Introduced. To Com. on RLS. for assignment. To print. `introduction`
- **2013-02-04** Read first time. `reading-1`
- **2013-02-04** From printer. May be acted upon on or after March 6.
- **2013-02-14** Referred to Com. on HEALTH. `referral-committee`
- **2013-04-12** Set for hearing May 1.
- **2013-04-25** From committee with author's amendments. Read second time and amended. Re-referred to Com. on HEALTH. `committee-passage, amendment-passage, reading-2, reading-1, referral-committee`
- **2013-05-02** From committee: Do pass and re-refer to Com. on APPR. (Ayes 7. Noes 2. Page 791.) (May 1). Re-referred to Com. on APPR. `committee-passage-favorable, referral-committee, committee-passage`
- **2013-05-03** Set for hearing May 13.
- **2013-05-14** From committee: Do pass. (Ayes 4. Noes 1. Page 936.) (May 13). `committee-passage-favorable, committee-passage`
- **2013-05-15** Read second time. Ordered to third reading. `reading-2, reading-1`
- **2013-05-28** Read third time and amended. `reading-3, reading-1, amendment-passage`
- **2013-05-28** Ordered to second reading.
- **2013-05-29** Read second time. Ordered to third reading. `reading-2, reading-1`
- **2013-05-30** Read third time. Passed. (Ayes 32. Noes 4. Page 1200.) Ordered to the Assembly. `reading-3, reading-1, passage`
- **2013-05-30** In Assembly. Read first time. Held at Desk. `reading-1`
- **2013-06-14** Referred to Com. on HEALTH. `referral-committee`
- **2013-06-25** From committee with author's amendments. Read second time and amended. Re-referred to Com. on HEALTH. `committee-passage, amendment-passage, reading-2, reading-1, referral-committee`
- **2013-08-05** From committee: Do pass as amended and re-refer to Com. on APPR. (Ayes 16. Noes 3.) (July 2). `committee-passage-favorable, committee-passage, amendment-passage`
- **2013-08-06** Read second time and amended. Re-referred to Com. on APPR. `amendment-passage, reading-2, reading-1, referral-committee`
- **2013-08-14** From committee: Do pass. (Ayes 14. Noes 3.) (August 14). `committee-passage-favorable, committee-passage`
- **2013-08-15** Read second time. Ordered to third reading. `reading-2, reading-1`
- **2013-08-26** Read third time. Passed. (Ayes 51. Noes 21. Page 2723.) Ordered to the Senate. `reading-3, reading-1, passage`
- **2013-08-26** In Senate. Concurrence in Assembly amendments pending.
- **2013-08-30** Assembly amendments concurred in. (Ayes 25. Noes 11. Page 2034.) Ordered to engrossing and enrolling. `committee-passage-favorable, amendment-passage`
- **2013-09-05** Enrolled and presented to the Governor at 4 p.m.
- **2013-10-01** Approved by the Governor. `executive-signature`
- **2013-10-01** Chaptered by Secretary of State. Chapter 443, Statutes of 2013.
## Source
OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/35be31e8-01c8-4b1c-98d4-42494613291d`. Confidence: reported (aggregated from official California legislature records).