Bill > HB366

This bill creates a new section of Missouri law that allows certain membership organizations, specifically farm bureaus and other large member-governed organizations, to provide health care benefit contracts without being classified as traditional insurance. The bill defines key terms such as "qualified membership organization" (which must have at least 100,000 dues-paying members and significant assets) and "contract for health care benefits" (any agreement to provide or pay for health care services). These health care benefit contracts can only be offered to members of the qualifying organization and must use an approved administrative entity that follows specific claims and benefit determination processes similar to those required for health insurance carriers. The contracts must include a clear written disclaimer stating that they are not health insurance and are not subject to standard insurance regulations or protected by the Missouri Insurance Guaranty Association. These contracts can be reinsured, and they must be offered only to members of the organization, their spouses, and dependent children under 26 years old. The bill aims to provide an alternative pathway for membership organizations to offer health care benefits with more flexibility than traditional insurance regulations.

Government Affairs, Health and Social Services

https://house.mo.gov/Bill.aspx?bill=HB366&year=2025&code=R