medicare supplement insurance; ALS; ESRD

HB 2433 requires Arizona insurers to offer the same Medicare supplement insurance plans to people under 65 with end-stage renal disease (ESRD) or ALS as to those 65 and older. It prohibits charging higher premiums to these younger enrollees and creates a specific enrollment window (December 2, 2025-June 1, 2027) for them to apply. The bill applies to all Medicare supplement policies sold in Arizona, ensuring equal coverage access regardless of age for ESRD or ALS patients enrolled in Medicare.