New York Assembly Bill A08850

New York 2025-2026 Regular Session

• Introduced: 6/9/25
• Refer: 6/9/25

Caption

Allows for a new special open enrollment period to choose a new health insurance plan for consumers in certain instances to allow for continuity of care with an existing health care provider.

Impact

If enacted, A08850 would amend existing provisions in the insurance law directly affecting consumer access to health insurance. The introduction of a special enrollment period could significantly impact how consumers navigate health insurance options, particularly for those who may face sudden loss of coverage. This ensures that individuals are not left vulnerable during transitions between insurance plans, aligning with broader healthcare goals of maintaining continuity of care for patients. The bill also stipulates that insurance contracts must reflect these amendments, broadening protections for consumers navigating healthcare decisions.

Summary

Bill A08850 aims to amend New York's insurance law to establish a new special open enrollment period for consumers under specific circumstances. This initiative is designed to provide consumers the opportunity to select a new health insurance plan when their existing healthcare provider contract is terminated through no fault of their own. The bill emphasizes the importance of continuity of care, enabling individuals to maintain relationships with their healthcare providers without disruption in their coverage. Importantly, the proposed law ensures that consumers will not incur fees or penalties for enrolling during this special period, and their coverage will commence within fourteen days of selection.

Contention

Notable points of contention surrounding this bill may arise from stakeholders who argue about its implications on insurance providers' operations and the potential for increased costs. Insurers might contend that an increased frequency of enrollment periods could lead to higher administrative burdens or adverse selection, where only those with immediate healthcare needs seek coverage during these windows. Moreover, critics might raise concerns about the implementation logistics and the overall financial impacts on the state's healthcare system if such provisions result in an uptick in enrollment without corresponding adjustments in funding or resources.