ND SB2118

Creates new section 26.1-36-49 defining short-term limited-duration health insurance plans as coverage with an expiration date no longer than six months from the original effective date, with a maximum total duration of twelve months including any renewals or extensions.

Requires all marketing materials for short-term limited-duration health insurance plans to be filed with and approved by the Insurance Commissioner before offering for sale in North Dakota.

Mandates that sales of these plans occur only through licensed and properly appointed insurance producers, whose signature and identification number must appear on the prospective insured's application.

Prohibits additional underwriting at renewal or continuation of coverage and requires insureds to remain in the same risk class as the original effective date, with at least fifteen days' notice before policy termination.

Requires phone calls related to marketing or sale of these plans to be recorded and maintained by the producer or insurer for at least one year after policy termination.