Assembly Bill A9121

                             
                     S T A T E   O F   N E W   Y O R K
 ________________________________________________________________________
 
                                   9121
 
                        2025-2026 Regular Sessions
 
                           I N  A S S E M B L Y
 
                            September 26, 2025
                                ___________
 
 Introduced by M. of A. KELLES -- read once and referred to the Committee
   on Health
 
 AN  ACT  directing the department of health to contract with a qualified
   entity for a feasibility study and  actuarial  analysis  of  long-term
   services and supports financing and services options

   THE  PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND ASSEM-
 BLY, DO ENACT AS FOLLOWS:
 
   Section 1. The department of health is hereby authorized and  directed
 to contract with a qualified entity for a feasibility study and actuari-
 al  analysis  of  long-term services and supports financing and services
 options. The study and analysis shall be developed in consultation  with
 stakeholders and provide projected cost estimates of alternative financ-
 ing  and  service options as well as possible impacts to existing state-
 funded programs and services, including, but not limited  to,  Medicaid-
 funded  home-based  care  and  hospice  programs  as well as residential
 long-term care programs.
   § 2. Such study shall include but not be limited to:
   (a) an  analysis  of  public  and  private  long-term  care  financing
 programs  that  exist  in  the  state, the participation rates for those
 programs and any clear gaps that exist including, but  not  limited  to,
 gaps  in coverage, affordability, participation and any factors relevant
 to the design of a public program;
   (b) modeling of three public long-term care insurance program  options
 funded through a payroll deduction, including a front-end, limited dura-
 tion  program, a limited duration, back-end catastrophic program, and an
 unlimited duration program; provided further, that key modeling  outputs
 shall  include estimated program participation rates, program costs, the
 distribution of program benefits, the impact  on  Medicaid  expenditures
 and  any  financial and legal risks to the state; provided further, that
 sensitivity analysis on key program parameters shall  be  completed  and

  EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
                       [ ] is old law to be omitted.
                                                            LBD13577-01-5
 A. 9121                             2
              

 
 include  daily  benefit  amounts,  coverage  duration,  benefit increase
 options, form of benefit and premium levels; and
   (c)  modeling  the impact of tax alternatives and other incentives for
 the purchase of private long-term care insurance on take-up rates in the
 state; provided further, that key outputs shall include  the  impact  on
 insurance  take-up  rates,  the  sociodemographic profile of individuals
 projected to purchase long-term care insurance, program  costs  and  the
 impact on Medicaid expenditures.
   §  3.  The  department of health shall prepare a report which shall be
 submitted to the governor and to the legislature within one year of  the
 effective date of this act, containing findings and recommendations.
   § 4. This act shall take effect immediately.