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NJ ACR113
NJ ACR113Amends Constitution to prohibit denial of coverage by certain health insurers based on preexisting conditions.
summary
Introduced
02/19/2026
02/19/2026
In Committee
02/19/2026
02/19/2026
Crossed Over
Passed
Dead
Introduced Session
2026-2027 Regular Session
Bill Summary
This amendment to the Constitution prohibits health insurers from denying benefits because of a preexisting condition. A preexisting condition is a health condition that existed before the person was insured. The amendment only applies to health insurers that the State may regulate. As used in the amendment, "health insurance carrier" means an entity that contracts or offers to contract to provide, deliver, arrange for, pay for, or reimburse any of the costs of health care services under a health benefits plan issued in this State, including: an insurance company authorized to issue health benefits plans; a health maintenance organization; a health, hospital, or medical service corporation; a multiple employer welfare arrangement; or the State Health Benefits Program and the School Employees' Health Benefits Program. "Carrier" does not include an entity providing or administering a self-funded health benefits plan. The amendment applies only to health benefits that the State has authority to regulate - insured health benefits plans offered by private carriers and the two State health benefits programs. Self-funded health benefits plans, which are governed exclusively by federal law pursuant to the "Employee Retirement Income Security Act of 1974," are not covered by the amendment.
AI Summary
This concurrent resolution proposes an amendment to the New Jersey Constitution to prevent health insurance companies from denying coverage or benefits due to a preexisting condition, which is defined as a health issue that existed before a person obtained insurance. This prohibition would apply to "health insurance carriers," a broad term encompassing entities like insurance companies, health maintenance organizations, and state-administered health programs that offer health benefits plans within the state. However, it explicitly excludes "self-funded health benefits plans," which are plans where an employer directly pays for employee healthcare costs and are governed by federal law, not state regulation. The resolution outlines the process for this proposed constitutional amendment to be voted on by the public at the next general election.
Committee Categories
Business and Industry
Sponsors (1)
Last Action
Introduced, Referred to Assembly Financial Institutions and Insurance Committee (on 02/19/2026)
Official Document
bill text
bill summary
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bill summary
| Document Type | Source Location |
|---|---|
| State Bill Page | https://www.njleg.state.nj.us/bill-search/2026/ACR113 |
| BillText | https://pub.njleg.gov/Bills/2026/ACR/113_I1.HTM |
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