This bill modifies when health coverage starts for small business employees enrolling during special periods (like marriage, divorce, birth, or court orders). It allows SHOP Exchanges to let employees choose whether coverage begins the next month or the month after, based on when they submit their plan selection (first half of month = next month start; second half = two months later). This directly affects Maryland small businesses using SHOP Exchange plans and their employees who qualify for these special enrollment events. The change applies specifically to enrollments triggered by court orders, death, or divorce/separation. The bill takes effect October 1, 2026.
SB 14 adjusts when health coverage becomes effective for small businesses using Maryland's SHOP Exchange during specific special enrollment periods. It allows SHOP Exchanges to set coverage start dates based on when plan selections are received: the first day of the following month if received by the 15th, or the second month if received after the 15th. This applies to enrollments triggered by court-ordered dependents (like child support), death of an employee or dependent, or divorce/legal separation. The bill directly affects small employers and their employees/dependents who qualify for these special enrollment scenarios under Maryland's SHOP program. It takes effect October 1, 2026.
SB 139 amends Maryland law to strengthen oversight of third-party administrators (TPAs) who manage insurance claims for employers or insurers. It expands grounds for the Insurance Commissioner to deny, suspend, or revoke a TPA’s registration (including violations of insurance laws or regulations) and updates civil penalty rules. The bill sets a maximum $10,000 penalty per violation for TPA misconduct, with daily penalties up to $1,000 for ongoing violations. Penalties are determined based on factors like violation severity, the TPA’s history, and harm to policyholders, ensuring enforcement considers context and impact.
HB 277 strengthens oversight of third-party administrators (TPAs) in Maryland’s insurance industry. It expands grounds for the Insurance Commissioner to deny, suspend, or revoke a TPA’s registration - including violations of insurance laws - and increases civil penalties for violations from $1,000 per day to a maximum of $10,000 per violation. The bill also requires the Commissioner to consider factors like the seriousness of the violation, the TPA’s history, and harm to plan participants when setting penalties. This directly affects TPAs managing insurance claims and benefits, imposing stricter accountability for compliance with Maryland’s insurance regulations, effective October 1, 2026.
SB 134 requires Maryland insurance carriers to issue Medicare supplement policies (Medigap) to specific eligible individuals without denying coverage or charging higher premiums based on health status. It directly affects: (1) people transitioning from Maryland Medicaid to Medicare Part B, (2) individuals who became Medicare-eligible before January 2020, and (3) disabled people under 65 who qualify for Medicare. Key provisions mandate that carriers must sell these policies during defined 63-day enrollment periods following Medicaid disenrollment or qualifying events, and prohibit health-based pricing or denial for plans A and D. The law also requires carriers to offer comparable or lower-benefit plans during birthday renewals starting July 2026.
HB 275 requires Maryland insurance carriers to issue Medicare supplement policies without discrimination based on health status during specific enrollment periods. It directly affects Medicare beneficiaries transitioning from Maryland Medical Assistance (Medicaid), disabled individuals under 65 eligible for Medicare, and those with certain federal special enrollment rights. Key provisions include banning denials or higher premiums due to health conditions during a 63-day window after Medicaid termination or qualifying events, and mandating equal or lower-benefit policy options during birthday renewals starting in 2026. The bill ensures these groups can access coverage without health-based barriers, effective July 1, 2026.
HB 236 extends the required blood testing window for combat sports athletes in Maryland from 30 days to 90 days. It affects boxers, kickboxers, wrestlers, and mixed martial arts competitors seeking licenses or participating in contests. The bill mandates that applicants and licensed contestants must provide documented evidence of negative tests for HIV, hepatitis B, and hepatitis C within 90 days prior to license application or competition. This change modifies existing Maryland law (Sections 4-101 and 4-304.1 of the Business Regulation Article) to align testing timing with the State Athletic Commission's requirements. The bill takes effect October 1, 2026.
SB 88 creates a limited license for music therapists in Maryland who are completing full licensure requirements. It allows the State Board of Examiners to issue these licenses to applicants who meet education standards (including American Music Therapy Association certification), pay fees, and practice under supervision of a fully licensed music therapist. The limited license is valid for one year, renewable once, but expires if full licensure isn't obtained within two years. This does not replace existing services by audiologists or speech-language pathologists, and the practice of music therapy is defined as using music-based interventions within a therapeutic relationship. The bill directly affects aspiring music therapists seeking licensure and the State Board of Examiners.
HB 7 authorizes Maryland's State Board of Examiners to issue limited licenses for music therapists who are completing full licensing requirements but lack sufficient clinical experience. This directly affects new music therapists and healthcare facilities needing to hire them under supervision while they fulfill certification steps. The bill creates a 1-year limited license (renewable once) requiring direct supervision by a fully licensed music therapist, with a 2-year deadline to obtain full licensure. It explicitly states limited licenses cannot replace services from audiologists or speech-language pathologists. The policy change streamlines entry into the profession without altering existing practice standards for music therapy.
SB 272 requires health insurance plans that cover chemotherapy for cancer treatment to also cover scalp cooling systems. These systems are devices designed to prevent or reduce hair loss during chemotherapy by cooling the scalp. The law applies to insurers, nonprofit health service plans, health maintenance organizations, and managed care organizations offering such coverage in Maryland. It takes effect for all policies issued, delivered, or renewed on or after January 1, 2027.