Bill > S08326

This bill expands health insurance coverage protections for developmentally disabled persons by requiring insurance companies to extend dependent coverage indefinitely past age twenty-six for unmarried individuals who are incapable of self-sustaining employment due to developmental disabilities, mental illness, or physical disabilities. The bill mandates that insurers provide six months' notice before potentially terminating such coverage and prohibits termination based on age, employment, or marital status. Additionally, the legislation limits insurers to requesting recertification of the dependent's condition only once every five years, unless there is a substantial change in the individual's condition. If an insurance company knowingly and wrongfully violates these provisions, they may face a civil penalty of up to ten thousand dollars per violation. The bill applies to various types of health insurance policies, including individual and group contracts, and will take effect on January 1, 2026, applying to policies issued, renewed, or modified on or after that date.

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https://www.nysenate.gov/legislation/bills/2025/S8326