senate Bill S2366

2015-2016 Legislative Session

Redefines "small group" for the purposes of sections 3231 and 4317 of the insurance law

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Sponsored By

Current Bill Status - In Committee


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

Actions

view actions (10)
Assembly Actions - Lowercase
Senate Actions - UPPERCASE
Jan 06, 2016 referred to insurance
returned to senate
died in assembly
May 27, 2015 referred to insurance
delivered to assembly
passed senate
Mar 18, 2015 advanced to third reading
Mar 17, 2015 2nd report cal.
Mar 16, 2015 1st report cal.245
Jan 22, 2015 referred to insurance

Co-Sponsors

S2366 - Bill Details

See Assembly Version of this Bill:
A1154
Current Committee:
Law Section:
Insurance Law
Laws Affected:
Amd §§3231 & 4317, Ins L
Versions Introduced in 2013-2014 Legislative Session:
S6917, A9980

S2366 - Bill Texts

view summary

Redefines "small group" for the purposes of certain provisions of sections 3231 and 4317 of the insurance law.

view sponsor memo
BILL NUMBER:S2366

TITLE OF BILL:

An act to amend the insurance law, in relation to rating of individual
and small group health insurance contracts and policies

PURPOSE:

To amend the insurance law to preserve the current stop loss insurance
market.

SUMMARY OF PROVISIONS:

Section 1 of the bill provides an exception to the definition of small
group coverage when coverage is written by a commercial insurer.

Section 2 of the bill provides that the prohibition against a
commercial insurer acting as a third party administrator or providing
stop loss coverage to self-funded small groups would continue to apply
only to small groups of fifty or fewer employees or members.

Section 3 of the bill provides an exception to the definition of small
group coverage when coverage is written by a corporation organized
under Article 43 of the Insurance Law.

Section 4 of the bill provides that the prohibition against an Article
43 corporation acting as a third party administrator or providing stop
loss coverage to self-funded small groups would continue to apply only
to small groups of fifty or fewer employees or members.

Section 5 of the bill sets forth the effective date.

JUSTIFICATION:

Since 1993, insurance companies have been permitted to write stop loss
insurance and to provide administrative services to self-funded
employer groups with 51 or more employees. A redefinition of what
constitutes a small group, designed to comply with the federal
Affordable Care Act, had the inadvertent effect of prohibiting
insurers from continuing to issue stop loss coverage to groups with
between 51 and 100 employees effective 2016 This bill will allow the
current stop loss marketplace to operate uninterrupted for
self-insured groups without directly impacting the insured small group
market.

LEGISLATIVE HISTORY:

S.6917 of 2014.

FISCAL IMPLICATIONS:

None.

EFFECTIVE DATE:

Immediately.


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

                                  2366

                       2015-2016 Regular Sessions

                            I N  S E N A T E

                            January 22, 2015
                               ___________

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 rating  of  individual
  and small group health insurance contracts and policies

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

  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, EXCEPT AS SET FORTH IN SUBSECTION (H) OF THIS SECTION, 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 exclu-
sive 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  imposition  of  a
pre-existing  condition  limitation if otherwise permitted by this arti-
cle.
  S 2. Paragraph 1 of subsection (h) of section 3231  of  the  insurance
law,  as added by chapter 501 of the laws of 1992, is amended to read as
follows:
  (1) Notwithstanding any other provision of this chapter,  no  insurer,
subsidiary  of  an  insurer,  or  controlled person of a holding company
system may act as an administrator or claims paying agent, as opposed to
an insurer, on behalf of small groups which, if  they  purchased  insur-
ance,  would  be  subject  to this section. No insurer, subsidiary of an
insurer, or controlled person of a  holding  company  may  provide  stop
loss,  catastrophic  or  reinsurance  coverage to small groups which, if

 EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
                      [ ] is old law to be omitted.
                                                           LBD06335-01-5

S. 2366                             2

they purchased insurance, would be subject to this section. FOR PURPOSES
OF THIS SUBSECTION, "SMALL  GROUP"  SHALL  MEAN  A  GROUP  COMPRISED  OF
BETWEEN  ONE  AND  FIFTY  EMPLOYEES OR MEMBERS, EXCLUSIVE OF SPOUSES AND
DEPENDENTS.
  S  3.  Paragraph  1 of subsection (a) of section 4317 of the insurance
law, as amended by section 72 of part D of chapter 56  of  the  laws  of
2013, is amended to read as follows:
  (1) No individual health insurance contract and no group health insur-
ance contract covering between one and fifty employees or members of the
group, EXCEPT AS SET FORTH IN SUBSECTION (E) OF THIS SECTION, 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 exclu-
sive of spouses and dependents, including contracts for which the premi-
ums are paid by a remitting agent for a group, 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   contract  is  community  rated  and,  notwithstanding  any  other
provisions of law, the underwriting of such contract  involves  no  more
than  the imposition of a pre-existing condition limitation if otherwise
permitted by this article.
  S 4. Paragraph 1 of subsection (e) of section 4317  of  the  insurance
law,  as  amended  by  section 72 of part D of chapter 56 of the laws of
2013, is amended to read as follows:
  (1) Notwithstanding any other provision of this chapter,  no  insurer,
subsidiary  of  an  insurer,  or  controlled person of a holding company
system may act as an administrator or claims paying agent, as opposed to
an insurer, on behalf of small groups which, if  they  purchased  insur-
ance,  would  be  subject  to this section. No insurer, subsidiary of an
insurer, or controlled person of a  holding  company  may  provide  stop
loss,  catastrophic  or  reinsurance  coverage to small groups which, if
they purchased insurance,  would  be  subject  to  this  section.    FOR
PURPOSES  OF THIS SUBSECTION, "SMALL GROUP" SHALL MEAN A GROUP COMPRISED
OF BETWEEN ONE AND FIFTY EMPLOYEES OR MEMBERS, EXCLUSIVE OF SPOUSES  AND
DEPENDENTS.
  S 5. This act shall take effect immediately.

senate Bill S2279

2015-2016 Legislative Session

Establishes a New York Main Street development center in the division of housing and community renewal

download bill text pdf

Sponsored By

Current Bill Status - Passed Senate


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

Actions

view actions (16)
Assembly Actions - Lowercase
Senate Actions - UPPERCASE
Mar 29, 2016 referred to housing
delivered to assembly
passed senate
Mar 21, 2016 advanced to third reading
Mar 17, 2016 2nd report cal.
Mar 16, 2016 1st report cal.391
Jan 06, 2016 referred to housing, construction and community development
returned to senate
died in assembly
May 27, 2015 referred to housing
delivered to assembly
passed senate
Mar 18, 2015 advanced to third reading
Mar 17, 2015 2nd report cal.
Mar 16, 2015 1st report cal.241
Jan 22, 2015 referred to housing, construction and community development

S2279 - Bill Details

Current Committee:
Law Section:
Private Housing Finance Law
Laws Affected:
Add Art 28 §1300 - 1301, Priv Hous Fin L
Versions Introduced in 2013-2014 Legislative Session:
S5506

S2279 - Bill Texts

view summary

Establishes a New York Main Street development center in the division of housing and community renewal.

view sponsor memo
BILL NUMBER:S2279

TITLE OF BILL:

An act to amend the private housing finance law, in relation to
establishing a New York Main Street development center

PURPOSE:

To provide a state sponsored Main Street Development Center within the
Division of Housing and Community Renewal which will provide
assistance to local governments seeking to revitalize their downtown
areas.

SUMMARY OF PROVISIONS:

This bill directs that the New York State Division of Housing and
Community Renewal work in coordination with the Empire State
Development Corporation, the New York State Department of State, the
New York State Department of Transportation and the New York State
Office of Parks and Recreation to develop a "New York Main Street
Development Center" within the Division of Housing and Community. The
Center would be available for providing resources and technical
assistance to local government entities and developers and for
co-coordinating development efforts for the redevelopment of any local
main street revitalization effort in New York.

JUSTIFICATION:

The proposed New York Main Street Development Center will coordinate
and guide main street downtown revitalization efforts and act as a
clearinghouse for communities looking for assistance with Main Street
renewal. Many communities would like to entertain such projects, but
are unknowledgeable about available resources and are uncertain with
how to garner resources and attract development to their community. A
coordinated state-wide approach to downtown revitalization will
greatly enhance this type of redevelopment throughout the state and
provide use of the existing infrastructure system. Furthermore, it
will provide assistance in obtaining a necessary catalyst to attract
private sector development.

LEGISLATIVE HISTORY:

2014, S.5506 Referred to Housing

FISCAL IMPLICATIONS:

None.

EFFECTIVE DATE:

This act shall take effect immediately.

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

                                  2279

                       2015-2016 Regular Sessions

                            I N  S E N A T E

                            January 22, 2015
                               ___________

Introduced  by  Sen.  YOUNG  -- read twice and ordered printed, and when
  printed to be committed to the Committee on Housing, Construction  and
  Community Development

AN  ACT  to amend the private housing finance law, in relation to estab-
  lishing a New York Main Street development center

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

  Section  1. The private housing finance law is amended by adding a new
article 28 to read as follows:
                               ARTICLE 28
                          NEW YORK MAIN STREET
                           DEVELOPMENT CENTER
SECTION 1300. LEGISLATIVE INTENT.
        1301. NEW YORK MAIN STREET DEVELOPMENT CENTER.
  S 1300. LEGISLATIVE INTENT. THE LEGISLATURE  HEREBY  FINDS  THAT  WITH
AFFORDABLE  HOUSING  IN  INCREASINGLY  SHORT  SUPPLY,  THE NEW YORK MAIN
STREET DEVELOPMENT CENTER WILL NOT ONLY BE THE  CATALYST  FOR  COMMUNITY
RENEWAL, BUT ALSO ADDRESS THE CRITICAL NEED TO PROVIDE AFFORDABLE OPPOR-
TUNITIES  ACROSS  THE  STATE.  MAIN STREETS AND DOWNTOWN BUILDINGS COULD
SERVE AS THE PRIMARY LOCATION FOR NEW HOUSING  OPPORTUNITIES  THROUGHOUT
THIS  STATE.  MAIN STREETS AND DOWNTOWN BUSINESS DISTRICTS, ARE UNIQUELY
EQUIPPED TO SERVE THIS FUNCTION SINCE THESE  AREAS  BOAST  UNDERUTILIZED
WATER  AND  SEWER INFRASTRUCTURE, ARE THE HUBS OF PUBLIC TRANSPORTATION,
AND ARE THE CENTERS OF COMMERCE.
  S 1301. NEW YORK MAIN STREET DEVELOPMENT CENTER. THE DIVISION OF HOUS-
ING AND COMMUNITY RENEWAL SHALL WORK IN COORDINATION WITH THE DEPARTMENT
OF ECONOMIC DEVELOPMENT, THE DEPARTMENT  OF  STATE,  THE  DEPARTMENT  OF
TRANSPORTATION,  AND  THE  OFFICE OF PARKS AND RECREATION TO ESTABLISH A
"NEW YORK MAIN STREET DEVELOPMENT CENTER" WITHIN SUCH DIVISION. THE MAIN
STREET DEVELOPMENT CENTER SHALL HAVE AS ITS MISSION THE DISSEMINATION OF
INFORMATION RELATED TO EXISTING STATE PROGRAMS TO ADDRESS THE REDEVELOP-

 EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
                      [ ] is old law to be omitted.
                                                           LBD07562-01-5

S. 2279                             2

MENT OF EXISTING COMMERCIAL/RESIDENTIAL  "MAIN  STREET"  BUILDINGS.  THE
"NEW  YORK  MAIN  STREET DEVELOPMENT CENTER" SHALL BE LOCATED WITHIN THE
DIVISION OF HOUSING AND COMMUNITY RENEWAL AND WILL SERVE AS A  TECHNICAL
ASSISTANCE  AND  RESOURCE  CENTER  TO  PROVIDE INFORMATION AND TECHNICAL
ASSISTANCE FOR ANY LOCAL  MAIN  STREET  REVITALIZATION  EFFORTS  IN  THE
STATE. THE CENTER WILL ESTABLISH A WEB PAGE WHICH WILL LINK TOGETHER ALL
STATE,  LOCAL  AND FEDERAL PROGRAMS WHICH MAY BE AVAILABLE TO SERVE AS A
RESOURCE FOR BOTH DEVELOPERS, AND COMMUNITY AND LOCAL HOUSING  ORGANIZA-
TIONS  IN  THEIR  DOWNTOWN  REVITALIZATION INITIATIVES. THE CENTER SHALL
ALSO LEND TECHNICAL AND TRAINING ASSISTANCE TO COMMUNITY  OFFICIALS  AND
PROVIDE  A COMPREHENSIVE LIBRARY OF MAIN STREET DEVELOPMENT PUBLICATIONS
FROM THROUGHOUT THE UNITED STATES  WHICH  SHALL  BE  ACCESSIBLE  TO  THE
DEVELOPMENT COMMUNITY.
  S 2. This act shall take effect immediately.