ND SB2073

Creates new chapter 26.1-36.8 establishing separate regulatory framework for individual and association short-term limited-duration health insurance plans in North Dakota.

Individual plans must expire no later than 12 months from original effective date and cannot be renewed with additional underwriting; insureds must remain in same risk class.

Association plans limited to 36 months total duration (including renewals), require minimum coverage of nine essential health benefit categories, and insurers cannot use underwriting at renewal or rate based on factors other than geography, tobacco use, family size, age, and gender.

All marketing materials for both plan types must be filed with and approved by the Insurance Commissioner before sale, and sales must be made only through licensed and properly appointed insurance producers.

Repeals prior definition of short-term limited-duration plans and requires 15-day notice of termination for both plan types before renewal or policy end.