Health Equity and Access Reform Today Act of 1991

[AI summary unavailable — showing source text] Health Equity and Access Reform Today Act of 1991 - Title I: Increase in Access to Health Care and Affordable Health Insurance - Subtitle A: Provision of Insurance Through Small Employers - Part I: Small Employer Health Insurance Reforms - Provides for development by the National Association of Insurance Commissioners of model standards regarding requirements under this Act relating to: (1) offering by small employer carriers of MedAccess plans; (2) benefits under such plans; (3) guaranteed issue; (4) initial writing; and (5) premium increases. Directs the Secretary of Health and Human Services to adopt those standards or specify alternative standards. Provides for enforcement of the standards through each State. Allows a State to have more stringent standards. Directs the Secretary to enforce the standards in any State which fails to comply with enforcement or reporting requirements (Federal standard State). Amends the Internal Revenue Code tax on a small employer carrier for any failure in a Federal standard State to comply with the standards. Sets the tax at a specified percentage of the amounts received by the carrier for providing any health benefit plan to any small employer …