NY S06263

Requires insurers and health maintenance corporations to provide written notice to policyholders and the superintendent at least 90 days before discontinuing a particular class of group or blanket health insurance coverage, with the notice including plain language explanation of consumer rights and contact information for the superintendent.

Mandates that if the superintendent determines a covered employee or dependent has a serious medical condition with benefits utilized in the previous 12 months not covered by replacement coverage, the insurer must offer replacement coverage with the same or substantially similar benefit or keep the existing policy in force until suitable replacement coverage is available.

Establishes a 45-day window for policyholders to notify the superintendent of serious medical conditions with uncovered benefits, triggering a 20-day superintendent review period before requiring the insurer to provide remedial action or replacement coverage.

Prohibits insurers from discontinuing coverage based on claims experience or health status and requires certification by an officer or director that discontinuance complies with uniform application standards without intent or pretext to target specific employees or dependents.

Grants the superintendent authority to prohibit wrongful discontinuances, require reinstated policies, and impose remedies in addition to other penalties for violations of these protections.