ND SB2110

Modifies the uniform group insurance program structure to allow the board to divide employees into separate subgroups for medical, hospital, life insurance, dental, vision, long-term care, employee assistance, and prescription drug coverage.

Adds a new coverage option for retired employees not eligible for Medicare, provided it does not increase the implicit subsidy as determined by governmental accounting standards board reporting procedures.

Allows the board to receive separate bids for retired Medicare-eligible employee group prescription drug coverage and to contract with one or more carriers that best serve state and employee interests.

Expands self-insurance plan authority to include health insurance benefits coverage, health insurance excluding prescription drugs, or prescription drug coverage alone, with plans provided through administrative services only (ASO) or third-party administrator (TPA) contracts.

Establishes contingency reserve fund requirements for self-insurance plans with balances between 1.5 and 3.5 months of average monthly claims, plus an additional 1 to 1.5 months for claims incurred but not yet reported; requires a 60-month funding plan upon initial conversion from carrier contracts to self-insurance.