New York S 5326: Provides for standardized health insurance contracts for small dental employers

Bill Text

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S05326 Summary:

BILL NOS05326 

&nbsp

SAME ASSAME AS A06714

&nbsp

SPONSORBAILEY

&nbsp

COSPNSRWEBB

&nbsp

MLTSPNSR

&nbsp

Amd §§4326 & 4327, Ins L

&nbsp

Provides for standardized health insurance contracts for small dental employers who meet certain criteria.

Go to top S05326 Actions:

BILL NOS05326 

&nbsp

02/20/2025REFERRED TO INSURANCE

03/03/20251ST REPORT CAL.426

03/04/20252ND REPORT CAL.

03/05/2025ADVANCED TO THIRD READING 

03/11/2025PASSED SENATE

03/11/2025DELIVERED TO ASSEMBLY

03/11/2025referred to insurance

01/07/2026died in assembly

01/07/2026returned to senate

01/07/2026REFERRED TO INSURANCE

Go to topS05326 Committee&nbspVotes:

Go to topS05326 Floor&nbspVotes:

There are no Assembly votes for this bill in this legislative session.

Go to topS05326 Text:

 STATE OF NEW YORK
 ________________________________________________________________________

 5326

 2025-2026 Regular Sessions

 IN SENATE

 February 20, 2025
 ___________

 Introduced by Sen. BAILEY -- read twice and ordered printed, and when
 printed to be committed to the Committee on Insurance

 AN ACT to amend the insurance law, in relation to standardized health
 insurance contracts for small dental employers; and providing for the
 repeal of such provisions upon the expiration thereof

 The People of the State of New York, represented in Senate and Assem-
 bly, do enact as follows:

 1 Section 1. The section heading and subsections (a), (c), (g), (h), (i)
 2 and (k) of section 4326 of the insurance law, as amended by section 56
 3 of part D of chapter 56 of the laws of 2013, are amended to read as
 4 follows:
 5 Standardized health insurance contracts for qualifying small
 6 employers, qualifying small dental employers and individuals. (a) A
 7 program is hereby established for the purpose of making standardized
 8 health insurance contracts available to qualifying small employers and
 9 qualifying small dental employers as defined in this section. Such
 10 program is designed to encourage small employers to offer health insur-
 11 ance coverage to their employees.
 12 (c) The following definitions shall be applicable to the insurance
 13 contracts offered under the program established by this section:
 14 (1) (A) A qualifying small employer is an employer with:
 15 (i) not more than fifty employees;
 16 (ii) no group health insurance that provides benefits on an expense
 17 reimbursed or prepaid basis covering employees in effect during the
 18 twelve month period prior to application for a qualifying group health
 19 insurance contract under the program established by this section; and
 20 (iii) at least thirty percent of its employees receiving annual wages
 21 from the employer at a level equal to or less than thirty thousand
 22 dollars. The thirty thousand dollar figure shall be adjusted period-
 23 ically pursuant to subparagraph (D) of this paragraph.
 24 (B) The twelve month period set forth in item (ii) of subparagraph (A)
 25 of this paragraph may be adjusted by the superintendent from twelve
 26 months to eighteen months if [he determines] they determine that the
 27 twelve month period is insufficient to prevent inappropriate substi-

 EXPLANATION--Matter in italics (underscored) is new; matter in brackets
 [ ] is old law to be omitted.
 LBD09809-01-5

 S. 5326 2

 1 tution of qualifying group health insurance contracts for other health
 2 insurance contracts.
 3 (C) An employer shall cease to be a qualifying small employer if any
 4 health insurance that provides benefits on an expense reimbursed or
 5 prepaid basis covering an employer's employees, other than qualifying
 6 group health insurance purchased pursuant to this section, is purchased
 7 or otherwise takes effect subsequent to purchase of qualifying group
 8 health insurance under the program established by this section.
 9 (D) The wage levels utilized in subparagraph (A) of this paragraph
 10 shall be adjusted annually, beginning in two thousand two. The adjust-
 11 ment shall take effect on July first of each year. For July first, two
 12 thousand two, the adjustment shall be a percentage of the annual wage
 13 figure specified in subparagraph (A) of this paragraph. For subsequent
 14 years, the adjustment shall be a percentage of the annual wage figure
 15 that took effect on July first of the