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NY A07553
Bill
Status
4/1/2025
Primary Sponsor
Angelo Santabarbara
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AI Summary
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Requires health insurers to extend coverage indefinitely past age 26 for unmarried dependent children who are incapable of self-sustaining employment due to mental illness, developmental disability, or physical disability, provided the condition existed before coverage would normally terminate
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Prohibits insurers from terminating coverage for qualifying disabled dependents based on age, employment status, or marital status (as long as they remain unmarried)
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Limits recertification requests for a disabled dependent's condition to once every five years, unless a substantial change in the dependent's condition occurs
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Increases advance notice requirements from 30 days to 6 months for policyholders regarding dependent coverage availability and from 15-60 days to 6 months for conversion policy entitlement notices
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Authorizes the Superintendent of Insurance to impose civil penalties of up to $10,000 per violation against insurers who knowingly and wrongfully violate these provisions, following notice and hearing
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Takes effect January 1, 2026, applying to policies issued, renewed, modified, altered, or amended on or after that date
Legislative Description
Expands coverage for developmentally disabled persons past twenty-six years of age; prohibits insurance companies from wrongfully terminating contracts of developmentally disabled persons; requires recertification of such developmentally disabled person's condition once every five years.
Last Action
referred to insurance
1/7/2026