Bill S6331-2011

Relates to expanding health insurance coverage under Healthy NY

Relates to expanding health insurance coverage under Healthy NY to retired persons who lose benefits offered from their previous employer through no fault of their own.

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  • Jan 26, 2012: REFERRED TO INSURANCE

Memo

BILL NUMBER:S6331

TITLE OF BILL:

An act to amend the insurance law, in relation to expanding health insurance coverage under the Health NY program to retired persons who had insurance coverage from their previous employer and who lose such health insurance benefits through no fault of their own

PURPOSE:

Expands the Healthy NY program for eligible retires who have lost health insurance coverage at no fault of their own.

SUMMARY OF PROVISIONS:

Adds item V to subparagraph A of subsection C to section 4326 of the insurance law to read a retired person who is ineligible for Medicare and who, through his or her previous employer, had health insurance coverage with benefits available during his or her retirement, and through no fault of their own, loses such health insurance coverage.

JUSTIFICATION:

With the growing downsizing of corporations, people are being forced to retire younger and younger. Many individuals, who retire prior to age 65, often leave with an agreement from their respective companies to receive health care benefits throughout their retirement.

Unfortunately, due to the economy and corporate cut backs, health benefits for retirees are being eliminated. In these situations, many retirees, who are not yet eligible for Medicare, are left uninsured. This bill would provide a safety net for these retirees by qualifying them for the Healthy NY program until they are Medicare eligible.

LEGISLATIVE HISTORY:

New Bill.

FISCAL IMPLICATIONS:

To be determined.

EFFECTIVE DATE:

Immediately.


Text

STATE OF NEW YORK ________________________________________________________________________ 6331 IN SENATE January 26, 2012 ___________
Introduced by Sen. ROBACH -- 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 expanding health insurance coverage under the Health NY program to retired persons who had insurance coverage from their previous employer and who lose such health insurance benefits through no fault of their own THE PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND ASSEM- BLY, DO ENACT AS FOLLOWS: Section 1. Subparagraph (A) of paragraph 3 of subsection (c) of section 4326 of the insurance law, as added by chapter 1 of the laws of 1999, is amended to read as follows: (A) A qualifying individual is [an employed person]: (i) AN EMPLOYED PERSON who does not have and has not had health insur- ance with benefits on an expense reimbursed or prepaid basis during the twelve month period prior to the individual's application for health insurance under the program established by this section; (ii) AN EMPLOYED PERSON whose employer does not provide group health insurance and has not provided group health insurance with benefits on an expense reimbursed or prepaid basis covering employees in effect during the twelve month period prior to the individual's application for health insurance under the program established by this section; (iii) AN EMPLOYED PERSON WHO resides in a household having a net household income at or below two hundred eight percent of the non-farm federal poverty level (as defined and updated by the federal department of health and human services) or the gross equivalent of such net income; and (iv) AN EMPLOYED PERSON WHO is ineligible for Medicare; OR (V) A RETIRED PERSON WHO IS INELIGIBLE FOR MEDICARE AND WHO, THROUGH HIS OR HER PREVIOUS EMPLOYER, HAD HEALTH INSURANCE COVERAGE WITH BENE- FITS AVAILABLE DURING HIS OR HER RETIREMENT, AND THROUGH NO FAULT OF THEIR OWN, LOSES SUCH HEALTH INSURANCE COVERAGE. S 2. This act shall take effect immediately.

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