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WV HB4869
Bill
Status
Enrolled
3/13/2026
Primary Sponsor
David Green
Click for details
AI Summary
- Creates an annual 60-day guaranteed issue period for Medicare supplement (Medigap) policy holders beginning on their birthday, allowing them to replace their current policy with one offering the same or lesser benefits from the same insurer without medical underwriting
- Establishes a 63-day guaranteed issue period for individuals age 65+ who lose Medicaid eligibility, permitting them to purchase any Medigap policy from any authorized insurer without denial, underwriting, or pre-existing condition exclusions
- Requires the Insurance Commissioner to submit annual reports to the Legislature by December 1 detailing Medicare supplement premium trends by insurer, plan type, and statewide aggregates
- Prohibits insurers from denying coverage, imposing medical underwriting, or applying pre-existing condition exclusions during the specified guaranteed issue periods
- Authorizes the Insurance Commissioner to promulgate rules for administering eligibility verification and coverage coordination, but explicitly prohibits expanding eligibility or benefits beyond what the statute provides
Legislative Description
Establish narrow, clearly bounded guaranteed-issue rights for Medicare Supplement policies in West Virginia.
Human Services
Last Action
Completed legislative action
3/13/2026
Committee Referrals
Banking and Insurance3/4/2026
Finance2/24/2026
Banking & Insurance2/9/2026
Finance1/28/2026
Full Bill Text
No bill text available