Bill > S05047

This bill amends the New York insurance law to allow insurance providers, health maintenance organizations, and certain corporations to create and offer incentive or reward programs for members, with specific guidelines and limitations. The bill permits these organizations to provide wellness and health-related incentives with a maximum aggregate value of $600 per year, targeting populations based on age, sex, or health status. These programs can include wellness initiatives, primary and preventative care, population health, care coordination, case management, disease management, mental health and substance use disorder treatments, and quality and cost containment efforts. The incentives can be structured as time-limited programs like sweepstakes or raffles and do not necessarily need to provide tangible benefits to all enrollees. Additionally, the bill allows insurers to adjust premiums to reflect commission ranges filed with the superintendent, providing more flexibility in premium and commission structures. The bill specifically applies to group accident and health insurance policies, excluding community-rated policies, and aims to provide more options for insurers to engage and support their members' health and wellness.

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https://www.nysenate.gov/legislation/bills/2025/S5047