SB 2029 Summary

• Reduces pre-existing condition exclusion periods for small employer health plans from twelve months to six months maximum.

• Changes the continuous coverage requirement from 63 days to 90 days prior to new coverage for crediting previous coverage toward pre-existing condition exclusions.

• Creates guaranteed issue requirements for individual health plans, requiring insurers to offer all their individual plans to all applicants regardless of health status, age, or income.

• Limits pre-existing condition exclusions on individual health plans to six months maximum and only for conditions with medical care received within six months before coverage effective date.

• Amends definitions and provisions related to small employer health insurance, guaranteed availability, and guaranteed issue throughout North Dakota Century Code Chapter 26.1-36.