New Jersey Assembly Bill ACR118

New Jersey 2024-2025 Regular Session

• Introduced: 2/12/24
• Refer: 2/12/24

Caption

Amends Constitution to prohibit denial of coverage by certain health insurers based on preexisting conditions.

Impact

If ACR118 is passed, it would reinforce consumer protections within the state's health insurance framework, aligning New Jersey's laws with efforts seen in other states and at the federal level. The amendment specifically targets health insurance plans regulated by the state, ensuring that coverage is available regardless of the insured's prior health conditions. This change could lead to wider access to healthcare services for many residents who may have previously faced barriers to coverage.

Summary

Assembly Concurrent Resolution No. 118 (ACR118) proposes an amendment to the New Jersey Constitution that would prohibit health insurance carriers from denying coverage based on preexisting conditions. This resolution aims to ensure that individuals cannot be denied benefits due to health conditions that existed prior to obtaining insurance coverage. By amending Article I of the state constitution, the legislation seeks to provide stronger protections for consumers in the healthcare market, particularly for those with preexisting conditions, which has been a significant concern in health policy discussions.

Contention

While the bill garners substantial support from consumer advocacy groups who see it as a necessary protection for vulnerable populations, there is potential for contention among various stakeholders in the health insurance industry. Opponents may argue that restricting the ability to deny coverage for preexisting conditions could drive up insurance premiums or lead to a decrease in the number of plans available, as insurers might seek to mitigate financial risks involved with mandatory coverage. As the debate continues, the implications for both consumer protections and insurance market dynamics remain critical points of discussion.