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NY A08763
Bill
Status
6/2/2025
Primary Sponsor
Pamela Hunter
Click for details
AI Summary
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Redefines "small group" for health insurance purposes as employers with 1-50 employees, eliminating the expanded definition of 1-100 employees that took effect January 1, 2016
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Requires all small group health insurance policies to be community rated, with underwriting limited to pre-existing condition limitations where permitted
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Prohibits insurers from providing stop loss, catastrophic, or reinsurance coverage to small groups, removing transitional exceptions that had allowed certain groups with 51-100 employees to maintain such coverage
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Eliminates special exemptions that had allowed municipal corporations, school districts, and nonpublic schools with 51-100 employees to remain outside small group requirements
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Repeals the requirement for the Superintendent of Financial Services to contract with an independent entity to assess the impact of stop loss coverage prohibitions on the small group market
Legislative Description
Amends the definition of "small group" for purposes of health insurance policies and contracts to fifty employees or fewer; repeals provisions requiring the superintendent to conduct an impact study.
Last Action
referred to insurance
1/7/2026