senate Bill S3991

2011-2012 Legislative Session

Authorizes health insurers to provide actuarially appropriate reductions in health insurance premiums for participation in a wellness program

download bill text pdf

Sponsored By

Archive: Last Bill Status - In Senate Committee


  • Introduced
  • In Committee
  • On Floor Calendar
    • Passed Senate
    • Passed Assembly
  • Delivered to Governor
  • Signed/Vetoed by Governor

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Actions

view actions (2)
Assembly Actions - Lowercase
Senate Actions - UPPERCASE
Jan 04, 2012 referred to insurance
Mar 11, 2011 referred to insurance

S3991 - Details

See Assembly Version of this Bill:
A3133
Law Section:
Insurance Law
Laws Affected:
Amd §§3231, 4235, 4317 & 4326, Ins L
Versions Introduced in 2009-2010 Legislative Session:
S651, A2867

S3991 - Summary

Authorizes health insurers, subject to the approval of the superintendent of insurance, to provide actuarially appropriate reductions in health insurance premiums for an enrollee's or insured's participation in a wellness program (defined); provides for the appointment of an advisory committee on wellness to be co-chaired by the commissioner of health and the superintendent of insurance and to report on the development and effectiveness of wellness programs.

S3991 - Sponsor Memo

S3991 - Bill Text download pdf

                    S T A T E   O F   N E W   Y O R K
________________________________________________________________________

                                  3991

                       2011-2012 Regular Sessions

                            I N  S E N A T E

                             March 11, 2011
                               ___________

Introduced  by  Sen.  LARKIN -- read twice and ordered printed, and when
  printed to be committed to the Committee on Insurance

AN ACT to amend the insurance law, in  relation  to  making  actuarially
  appropriate  reductions  in health insurance premiums in return for an
  enrollee's or insured's participation in a bona fide wellness program;
  and to establish an advisory committee on wellness to report thereon

  THE PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND  ASSEM-
BLY, DO ENACT AS FOLLOWS:

  Section  1. Section 3231 of the insurance law, as added by chapter 501
of the laws of 1992, is amended by adding a new subsection (c-1) to read
as follows:
  (C-1) SUBJECT TO THE APPROVAL OF THE  SUPERINTENDENT,  AN  INSURER  OR
HEALTH  MAINTENANCE  ORGANIZATION  ISSUING AN INDIVIDUAL OR GROUP HEALTH
INSURANCE POLICY PURSUANT TO THIS SECTION  MAY  PROVIDE  AN  ACTUARIALLY
APPROPRIATE  REDUCTION  IN  PREMIUM RATES IN RETURN FOR AN ENROLLEE'S OR
INSURED'S ADHERENCE TO A BONA FIDE WELLNESS PROGRAM. A BONA  FIDE  WELL-
NESS  PROGRAM IS EITHER A RISK MANAGEMENT SYSTEM THAT IDENTIFIES AT-RISK
POPULATIONS OR ANY OTHER SYSTEMATIC PROGRAM OR COURSE OF MEDICAL CONDUCT
WHICH HELPS TO PROMOTE GOOD HEALTH, HELPS TO PREVENT OR  MITIGATE  ACUTE
OR CHRONIC SICKNESS OR DISEASE, OR WHICH MINIMIZES ADVERSE HEALTH CONSE-
QUENCES  DUE TO LIFESTYLE. SUCH WELLNESS PROGRAM SHALL DEMONSTRATE ACTU-
ARIALLY THAT IT ENCOURAGES THE GENERAL GOOD HEALTH AND WELL-BEING OF THE
COVERED POPULATION. THE INSURER OR HEALTH MAINTENANCE ORGANIZATION SHALL
NOT REQUIRE SPECIFIC OUTCOMES AS A RESULT OF AN ENROLLEE'S OR  INSURED'S
ADHERENCE TO THE APPROVED WELLNESS PROGRAM.
  S 2. Subsection (h) of section 4235 of the insurance law is amended by
adding a new paragraph 5 to read as follows:
  (5)  EACH  DOMESTIC,  FOREIGN  OR ALIEN INSURER DOING BUSINESS IN THIS
STATE, WHEN FILING WITH THE  SUPERINTENDENT  ITS  SCHEDULES  OF  PREMIUM
RATES,  RULES AND CLASSIFICATION OF RISKS FOR USE IN CONNECTION WITH THE
ISSUANCE OF ITS POLICIES OF GROUP ACCIDENT, GROUP HEALTH OR GROUP  ACCI-

 EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
                      [ ] is old law to be omitted.
                                                           LBD06180-01-1

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