senate Bill S7104

2015-2016 Legislative Session

Relates to the definition of small group for the purposes of health insurance policies and contracts; repealer

download bill text pdf

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Archive: Last Bill Status - Passed Senate

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

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view actions (7)
Assembly Actions - Lowercase
Senate Actions - UPPERCASE
May 10, 2016 referred to insurance
delivered to assembly
passed senate
May 03, 2016 advanced to third reading
Apr 12, 2016 2nd report cal.
Apr 11, 2016 1st report cal.550
Mar 28, 2016 referred to insurance


S7104 (ACTIVE) - Details

See Assembly Version of this Bill:
Current Committee:
Assembly Insurance
Law Section:
Insurance Law
Laws Affected:
Amd §§3231 & 4317, Ins L; rpld §7, Chap 12 of 2016
Versions Introduced in Other Legislative Sessions:
2017-2018: S425, A7077
2019-2020: S5161, A5285
2021-2022: S3567

S7104 (ACTIVE) - Summary

Amends the definition of "small group" for purposes of health insurance policies and contracts to fifty employees or fewer; and repeals provisions requiring the superintendent to conduct an impact study.

S7104 (ACTIVE) - Sponsor Memo

S7104 (ACTIVE) - Bill Text download pdf

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


                            I N  S E N A T E

                             March 28, 2016

Introduced  by  Sen.  SEWARD -- 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  the  definition  of
  small group; and to repeal section 7 of chapter 12 of the laws of 2016
  relating  to  directing  the  superintendent  of financial services to
  contract with an independent entity to conduct an assessment regarding
  the impact of the prohibition on the sale of stop  loss,  catastrophic
  and reinsurance coverage to the small group market relating thereto


  Section 1. Paragraph 1 of subsection (a) of section 3231 of the insur-
ance law, as amended by section 69 of part D of chapter 56 of  the  laws
of 2013, is amended to read as follows:
  (1)  No  individual health insurance policy and no group health insur-
ance policy covering between one and fifty employees or members  of  the
group  [or between one and one hundred employees or members of the group
for policies issued or renewed on or after January first,  two  thousand
sixteen] exclusive of spouses and dependents, hereinafter referred to as
a  small  group,  providing  hospital and/or medical benefits, including
medicare supplemental insurance, shall be issued in  this  state  unless
such policy is community rated and, notwithstanding any other provisions
of  law, the underwriting of such policy involves no more than the impo-
sition of a pre-existing condition limitation if otherwise permitted  by
this article.
  S  2.  Paragraph  3 of subsection (a) of section 3231 of the insurance
law, as amended by section 69 of part D of chapter 56  of  the  laws  of
2013, is amended to read as follows:
  (3) Once accepted for coverage, an individual or small group cannot be
terminated  by  the insurer due to claims experience.  Termination of an
individual or small group shall be based only on  one  or  more  of  the
reasons  set  forth  in  subsection  (g)  of  section three thousand two
hundred sixteen or subsection (p) of section three thousand two  hundred
twenty-one  of  this  article.  Group  hospital and/or medical coverage,
including medicare supplemental insurance, obtained through  an  out-of-

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


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