Bill > SB811

Introduced Session

This bill allows nonprofit agricultural organizations to provide health benefit coverage to its members and its members' families and exempts the health benefit coverage and the nonprofit agricultural organization offering the health benefit coverage from the application of insurance law. Under the bill, “nonprofit agricultural organization” is defined to mean a member-directed agricultural organization whose purpose is to represent, protect, and enhance the business, economic, social, and educational interests of members located throughout the state and to which certain conditions apply including that the organization is exempt from federal tax, that the organization is organized as a cooperative in this state, that the organization was organized prior to January 1, 1922, that the organization collects annual dues from its members, that the organization is governed by a board of directors that is elected by its members, and that the organization has a wholly owned subsidiary through which health benefit coverage may be administered. If a nonprofit agricultural organization offers to provide health benefit coverage, the bill requires the nonprofit agricultural organization to satisfy certain criteria. First, a nonprofit agricultural organization must provide written notice to its members prior to enrollment that any health benefit coverage provided by the nonprofit agricultural organization is not health insurance and that the health benefit coverage alone may not satisfy individual or employer insurance coverage requirements under federal law. Further, a nonprofit agricultural organization must LRB-5249/1 JPC:cdc 2023 - 2024 Legislature SENATE BILL 811 reinsure its risks under the health benefit coverage it provides with a company authorized to transact reinsurance business in this state. Additionally, the bill prohibits nonprofit agricultural organizations from taking certain action with respect to the health benefit coverage that it provides. The bill prohibits nonprofit agricultural organizations from excluding or refusing to provide coverage for services provided by a health care provider if the health benefit coverage provided by the nonprofit agricultural organization covers those services when provided by a physician. Further, the bill prohibits nonprofit agricultural organizations from imposing a preexisting condition exclusion for any condition for a period of more than six months if the health benefit coverage would otherwise include coverage of the condition.

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Rob Cowles (R)*,  Dan Feyen (R)*,  Romaine Quinn (R)*,  Patrick Testin (R)*,  Cory Tomczyk (R)*,  Elijah Behnke (R),  Amy Binsfeld (R),  Robert Brooks (R),  Barbara Dittrich (R),  James Edming (R),  Joy Goeben (R),  Chanz Green (R),  Rick Gundrum (R),  Nate Gustafson (R),  Scott Krug (R),  Anthony Kurtz (R),  Gae Magnafici (R),  Clint Moses (R),  Jeff Mursau (R),  Amanda Nedweski (R),  Todd Novak (R),  Jerry O'Connor (R),  Loren Oldenburg (R),  William Penterman (R),  Nik Rettinger (R),  Peter Schmidt (R),  Ellen Schutt (R),  John Spiros (R),  Rob Summerfield (R),  Travis Tranel (R),  Nancy VanderMeer (R), 

Failed to pass pursuant to Senate Joint Resolution 1 (on 04/15/2024)

Official Document