Bill > A04696

This bill amends the New York insurance law to allow insurance providers, health insurance corporations, and health maintenance organizations to create and offer reward or incentive programs with specific guidelines. The bill permits these organizations to provide incentives up to an aggregate average value of $600 per year for members, targeting areas such as wellness, preventative care, population health, care coordination, disease management, mental health, and substance use disorder treatment. These programs can be designed to target specific populations based on age, sex, or health status, and may include time-limited activities like sweepstakes or contests. The bill also introduces provisions allowing insurers to adjust premiums to reflect commission options filed with the state superintendent, providing more flexibility in premium pricing and commission structures. Additionally, for group insurance policies, the bill ensures that commission ranges must be consistently available to similarly situated groups seeking coverage. The changes aim to provide insurers more latitude in creating member engagement programs while maintaining regulatory oversight to prevent inappropriate inducements.

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https://www.nysenate.gov/legislation/bills/2025/A4696