New York S 8457: Relates to the definition of small group for the purposes of health insurance policies and contracts; repealer

Bill Text

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S08457 Summary:

BILL NOS08457 

&nbsp

SAME ASSAME AS A08763

&nbsp

SPONSORCOONEY

&nbsp

COSPNSRADDABBO, MARTINEZ, SKOUFIS

&nbsp

MLTSPNSR

&nbsp

Amd §§3231 & 4317, Ins L; rpld §7, Chap 12 of 2016

&nbsp

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.

Go to top S08457 Actions:

BILL NOS08457 

&nbsp

07/16/2025REFERRED TO RULES

01/07/2026REFERRED TO INSURANCE

05/28/2026COMMITTEE DISCHARGED AND COMMITTED TO RULES

05/28/2026ORDERED TO THIRD READING CAL.1378

06/03/2026PASSED SENATE

06/03/2026DELIVERED TO ASSEMBLY

06/03/2026referred to insurance

Go to topS08457 Committee&nbspVotes:

Go to topS08457 Floor&nbspVotes:

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

Go to topS08457 Text:

 STATE OF NEW YORK
 ________________________________________________________________________

 8457

 2025-2026 Regular Sessions

 IN SENATE

 July 16, 2025
 ___________

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

 AN ACT to amend the insurance law, in relation to the definition of
 small group; and to repeal section 7 of chapter 12 of the laws of 2016
 relating to directing the superintendent of financial services to
 contract with an independent entity to conduct an assessment regarding
 the impact of the prohibition on the sale of stop loss, catastrophic
 and reinsurance coverage to the small group market relating thereto

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

 1 Section 1. Paragraph 1 of subsection (a) of section 3231 of the insur-
 2 ance law, as amended by section 69 of part D of chapter 56 of the laws
 3 of 2013, is amended to read as follows:
 4 (1) No individual health insurance policy and no group health insur-
 5 ance policy covering between one and fifty employees or members of the
 6 group [or between one and one hundred employees or members of the group
 7 for policies issued or renewed on or after January first, two thousand
 8 sixteen] exclusive of spouses and dependents, hereinafter referred to as
 9 a small group, providing hospital and/or medical benefits, including
 10 medicare supplemental insurance, shall be issued in this state unless
 11 such policy is community rated and, notwithstanding any other provisions
 12 of law, the underwriting of such policy involves no more than the impo-
 13 sition of a pre-existing condition limitation if otherwise permitted by
 14 this article.
 15 § 2. Paragraph 3 of subsection (a) of section 3231 of the insurance
 16 law, as amended by section 69 of part D of chapter 56 of the laws of
 17 2013, is amended to read as follows:
 18 (3) Once accepted for coverage, an individual or small group cannot be
 19 terminated by the insurer due to claims experience. Termination of an
 20 individual or small group shall be based only on one or more of the
 21 reasons set forth in subsection (g) of section three thousand two

 EXPLANATION--Matter in italics (underscored) is new; matter in brackets
 [ ] is old law to be omitted.
 LBD13016-01-5

 S. 8457 2

 1 hundred sixteen or subsection (p) of section three thousand two hundred
 2 twenty-one of this article. Group hospital and/or medical coverage,
 3 including medicare supplemental insurance, obtained through an out-of-
 4 state trust covering a group of fifty or fewer employees, [or between
 5 one and one hundred employees for policies issued or renewed on or after
 6 January first, two thousand sixteen,] or participating persons who are
 7 residents of this state must be community rated regardless of the situs
 8 of delivery of the policy. Notwithstanding any other provisions of law,
 9 the underwriting of such policy may involve no more than the imposition
 10 of a pre-existing condition limitation if permitted by this article, and
 11 once accepted for coverage, an individual or small group cannot be
 12 terminated due to claims experience. Termination of an individual or
 13 small group shall be based only on one or more of the reasons set forth
 14 in subsection (p) of section three thousand two hundred twenty-one of
 15 this article.
 16 § 3. Paragraph