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Bill

HD 4029

An Act directing the division of insurance to regularly report on the performance of the merged non-group and small-group health insurance markets

194th Legislature (2025-2026) Introduced by John Lawn

Massachusetts bill requires the Division of Insurance to regularly report on how the state's merged non-group and small-group health insurance markets are performing.

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Bill Summary · HD 4029

Legislative bill overview

HD 4029 directs Massachusetts's Division of Insurance to conduct regular performance reports on the state's merged non-group and small-group health insurance markets. The bill establishes a reporting requirement to monitor how these markets function after being combined, likely tracking metrics like coverage rates, premium trends, insurer participation, and market competition.

Why is this important

Massachusetts merged its non-group (individual) and small-group insurance markets in 2018 as part of health insurance reform. Regular performance reporting helps lawmakers assess whether the merger is achieving its intended goals—such as stabilizing premiums, expanding coverage, and improving market competition—or if unintended consequences are emerging. This data informs future legislative decisions about market regulation and consumer protections.

Potential points of contention

  • Reporting scope ambiguity: The bill doesn't specify which metrics, data points, or frequency of reporting the Division must include, potentially leading to inconsistent or insufficient data collection
  • Resource allocation: Establishing new regular reporting requirements costs money; some may question whether this expense is justified or whether existing data collection is adequate
  • Remedial action: The bill creates a reporting mechanism but doesn't authorize or require the Division to take corrective action based on findings, raising questions about whether reports will lead to meaningful policy changes

Compiled from official sources — confirm details with the bill’s official record.

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