Improved Access to Affordable Health Care Act of 1992

[AI summary unavailable — showing source text] Improved Access to Affordable Health Care Act of 1992 - Title I: Improvements in Health Insurance for Small Employers - Amends the Social Security Act to add a new title, Title XXI: Standards for Small Employer Health Insurance and Certification of Managed Care Plans. Directs the Secretary of Health and Human Services to request that the National Association of Insurance Commissioner (NAIC) develop standards concerning requirements for health insurance plans for small employers. Requires the Secretary to develop such standards if NAIC fails to do so. Requires such plans to provide for: (1) guaranteed eligibility; (2) guaranteed availability; and (3) guaranteed renewability. Prohibits: (1) an insurer from refusing to renew or terminate a plan, except for nonpayment of premiums, fraud, or failure to maintain minimum participation rates; and (2) for certain services, discrimination based on health status. Sets limits controlling the variation of premium charges permitted among all small employers insured by an insurer. Requires the full disclosure of an insurer's rating practices. Requires a health insurance plan for small employers to offer: (1) both a standard and basic benefit pack…