Healthcare (Insurance)

in committee · New Jersey · General Assembly Jan 13, 2026

A 1844: Prohibits health insurance carriers from placing time limit on coverage of anesthesia services before, during, or after medical or surgical procedures.

This bill prohibits New Jersey health insurance companies and other covered health plans from limiting coverage based on the duration of anesthesia services before, during, or after medical or surgical procedures. It directly affects insurance carriers (including health maintenance organizations and hospital service corporations) by requiring them to cover anesthesia services without time-based restrictions. The law uses standard medical coding (from the American Medical Association) to define anesthesia services, ensuring coverage applies to all procedures where anesthesia is used. It takes effect 90 days after enactment for new or renewed insurance policies.

Topics ✓ HealthcareSupports HealthcareRemoves time-based restrictions on anesthesia coverage, expanding patient access to necessary services without insurer limitations.95% confidence

Sub-Topics Hospitals Insurance

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in committee · New Jersey · General Assembly Jan 13, 2026

A 1880: Permits reimbursement of COBRA health benefit costs of survivors of certain deceased public safety employees; appropriates $750,000.

This bill provides reimbursement for the first six months of COBRA health insurance costs paid by spouses and unmarried children of public safety employees who died while on duty or within 24 hours of duty. To qualify, dependents must have been covered by the State Health Benefits Program or the employee’s employer plan until death, and must apply by March 1 each year for the prior year’s coverage. The state allocates $750,000 annually for these reimbursements, with payments distributed proportionally if funding falls short of demand. This program does not affect the standard 36-month COBRA coverage period available to survivors.

Topics ✓ HealthcareSupports HealthcareProvides $750k to reimburse COBRA health insurance costs for survivors of public safety employees, expanding coverage access for dependents post-loss of provider.95% confidence ✓ Labor & EmploymentSupports Labor & EmploymentFunds COBRA reimbursement for dependents of public safety workers who died on duty, directly supporting employment-related health benefits for survivors.95% confidence

Sub-Topics Insurance

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in committee · New Jersey · General Assembly Jan 13, 2026

A 2625: Requires employers other than State who participate in SHBP and employers who participate in SEHBP to remain enrolled in program for minimum of five years.

New Jersey's A2625 requires non-state employers participating in the State Health Benefits Program (SHBP) or School Employees' Health Benefits Program (SEHBP) to stay enrolled for a minimum of five consecutive years after initial enrollment. If an employer voluntarily leaves and later rejoins, each re-entry adds another five-year requirement, cumulatively extending the total enrollment period (e.g., 10 years after first re-entry). The bill also mandates annual public reporting of employer terminations, transparency about premium changes, and annual program performance reviews to maintain cost stability. These provisions directly affect private-sector employers participating in either health benefits program.

Topics ✓ EducationSupports EducationBill mandates continued health benefits for school employees (SEHBP), supporting educator stability and well-being within education sector.85% confidence ✓ HealthcareSupports HealthcareMandates long-term employer enrollment in state health benefit programs (SHBP/SEHBP), preventing coverage disruptions and ensuring stable healthcare access for employees.90% confidence ✓ Labor & EmploymentSupports Labor & EmploymentRequires continuous employer health coverage for workers, protecting access to benefits under employment standards without weakening protections.95% confidence

Sub-Topics Insurance

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in committee · New Jersey · General Assembly Jan 13, 2026

A 1793: Establishes "Recovery Tax Credit Program"; incentivizes hiring and continued employment of certain individuals in recovery from substance use disorder.

This New Jersey bill (A 1793) creates a "Recovery Tax Credit Program" that provides tax incentives to employers who hire and retain individuals recovering from substance use disorders. Employers must become "certified" by meeting requirements like partnering with recovery providers and offering qualifying health insurance. Certified employers can claim tax credits up to $2,000 per eligible employee (based on hours worked, minimum 500 hours), with a total annual budget cap of $2 million. The program directly affects employers in New Jersey and individuals in recovery who meet the defined eligibility criteria.

Topics ✓ Budget & TaxesSupports Budget & TaxesProvides tax credits ($2,000/employee) to employers, reducing taxable income for businesses. Funds through state budget cap ($2M annual), aligning with tax relief and fiscal support for targeted employment programs.92% confidence ✓ Criminal JusticeSupports Criminal JusticePromotes rehabilitation through employment incentives, reducing recidivism - key criminal justice reform focus.90% confidence ✓ HealthcareSupports HealthcareRequires employers to offer qualifying health insurance for certification, promoting health coverage access for substance use disorder recovery (a healthcare focus).95% confidence ✓ Labor & EmploymentSupports Labor & EmploymentProvides tax credits to employers hiring individuals recovering from substance use disorder, advancing employment opportunities for a vulnerable workforce.90% confidence

Sub-Topics Tax Credits Insurance Substance Abuse

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in committee · New Jersey · General Assembly Jan 13, 2026

A 1356: Requires health benefits plans and carriers to meet certain requirements concerning network adequacy and mental health care.

This New Jersey bill requires health insurance plans and providers to ensure their networks include enough mental health providers so that every covered person can access care. It mandates that 100% of policyholders must have access to either in-person mental health services within 15 miles and 30 days of requesting care, or telehealth services within 30 days if in-person options are unavailable. Insurance plans must cover telehealth mental health services with no higher deductibles, copays, or coinsurance than in-person visits, and reimburse providers at least the Medicaid rate. The law applies to all health insurance plans, including Medicaid managed care organizations, and self-funded plans may choose to comply.

Topics ✓ HealthcareSupports HealthcareMandates 100% access to mental health services within 15 miles or telehealth, prohibits higher copays - expands patient access and supports mental health coverage.95% confidence

Sub-Topics Insurance Mental Health Telehealth

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in committee · New Jersey · General Assembly Feb 24, 2026

A 4449: Requires DOBI to review hormone replacement therapy coverage.

This bill requires New Jersey's Department of Banking and Insurance (DOBI) to conduct a one-time confidential review of health insurance coverage for hormone replacement therapy (HRT). The review will examine how insurers administer HRT coverage under the "New Jersey Menopause Coverage Act" and whether there has been an aggregate increase in coverage since that law took effect. DOBI will analyze data on prior authorization and step therapy decisions for HRT, as well as other insurer-collected information, and must report its findings to the Legislature within six months. This review directly affects health insurance carriers (by requiring them to provide data) and DOBI (as the reviewing agency), but does not change current coverage requirements.

Topics ✓ HealthcareSupports HealthcareBill mandates review of HRT coverage compliance under existing law to ensure insurers meet requirements, protecting patient access to hormone therapy services.85% confidence

Sub-Topics Insurance

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in committee · New Jersey · General Assembly Jan 13, 2026

A 3117: Requires health insurance coverage for testing for BRCA1 and BRCA2 genes.

This New Jersey bill (A 3117) requires all health insurance plans sold in the state - including hospital service contracts, medical service plans, individual policies, group plans, and health maintenance organizations - to cover BRCA1 and BRCA2 genetic testing at no additional cost to the patient. It directly affects individuals seeking testing for these breast cancer-related genes, as well as all health insurers operating in New Jersey. The law mandates coverage "to the same extent as for any other medical condition," meaning patients won’t face extra out-of-pocket costs for this specific testing. It applies to all plans issued or renewed in New Jersey after the bill’s effective date.

Topics ✓ HealthcareSupports HealthcareMandates no-cost coverage for BRCA genetic testing, expanding insurance access for breast cancer screening per bill's explicit requirement.95% confidence

Sub-Topics Hospitals Insurance

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died · New Jersey · General Assembly Jan 13, 2026

A 2285: Extends time period in which to enroll newborn infant in health benefits coverage.

This bill amends New Jersey law to extend the deadline for enrolling newborn infants in health benefits coverage from 60 to 90 days after birth. It directly affects newborns and their parents, requiring health insurance corporations to allow enrollment within this longer timeframe. The key provision states that parents must notify the insurer and pay the required subscription amount within 90 days to maintain coverage beyond that period. The bill was withdrawn as it was already enacted into law through P.L.2025, c.194.

Topics ✓ HealthcareSupports HealthcareExtends newborn enrollment deadline from 60 to 90 days, improving access to health coverage for infants and parents.95% confidence

Sub-Topics Insurance

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in committee · New Jersey · General Assembly Jan 13, 2026

A 470: Requires health insurance carriers to provide coverage for hospitalizations resulting from coronavirus disease 2019 without imposing cost-sharing requirements.

This bill requires health insurance carriers in New Jersey to cover all hospitalization costs for patients diagnosed with COVID-19 without any out-of-pocket expenses, such as deductibles, copayments, or coinsurance. It applies to all health insurance plans offered by companies, health maintenance organizations, and state-run programs like the State Health Benefits Program. The law takes effect immediately for health plans issued or renewed on or after its effective date, ensuring no cost-sharing for eligible hospitalizations related to the virus.

Topics ✓ HealthcareSupports HealthcareMandates no cost-sharing for COVID-19 hospitalizations, expanding coverage access and protecting patient rights.95% confidence

Sub-Topics Insurance

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in committee · New Jersey · General Assembly Jan 13, 2026

A 1945: Requires health care professionals to order bi-lateral ultrasounds concurrently when ordering mammograms; requires insurers to cover concurrent mammograms and bi-lateral ultrasounds.

This bill requires healthcare providers to order ultrasounds of both breasts at the same time as mammograms when medically indicated, and mandates health insurers to cover both tests together. It directly affects women receiving breast cancer screenings (particularly those with dense breast tissue, family history, or other risk factors) and their insurance providers. The key provision eliminates the need for separate authorization for ultrasounds ordered concurrently with mammograms, streamlining coverage for diagnostic testing. This applies to all health insurance contracts in New Jersey that cover breast cancer screening, aligning with existing guidelines for dense breast tissue and other risk factors.

Topics ✓ HealthcareSupports HealthcareMandates insurer coverage for concurrent mammograms and ultrasounds, removing authorization barriers and improving access to breast cancer screenings for at-risk patients.95% confidence

Sub-Topics Insurance

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