MS HB1169

Expands health insurance coverage requirements to include diagnosis and treatment of developmental and physical disabilities, mirroring existing autism spectrum disorder coverage mandates.

Defines "developmental or physical disability" as severe chronic conditions (cerebral palsy, epilepsy, or similar) manifesting before age 19 that substantially limit three or more major life activities.

Limits applied behavior analysis coverage to $40,000 per year with a maximum age of 18 years, with no more than 10 hours per week provided by a licensed behavior analyst.

Requires coverage to take effect January 1, 2022 for developmental and physical disabilities (versus January 1, 2016 for autism spectrum disorder).

Prohibits insurers from terminating or refusing coverage solely based on diagnosis of developmental or physical disabilities, and allows small employers with 100 or fewer employees to charge participants for additional coverage costs.