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HD 2232

An Act relative to affordable health insurance for nonprofits

194th Legislature (2025-2026) Introduced by Leigh Davis

The bill creates a state-run health insurance program to offer reduced-premium plans for nonprofits with 50 or fewer employees, providing subsidies to lower costs and simplify enrollment.

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Bill Summary · HD 2232

HD 2232: An Act relative to affordable health insurance for nonprofits

Summary

This proposed bill aims to make health insurance more affordable for nonprofit organizations in the state. The key provisions of the bill include:

Establishment of a Nonprofit Health Insurance Program

  • The bill would create a new state-run health insurance program specifically designed for eligible nonprofit organizations.
  • The program would offer comprehensive health coverage plans at reduced premiums compared to the private insurance market.
  • Nonprofits with 50 or fewer full-time employees would be eligible to enroll in the program.

Premium Subsidies

  • The state would provide premium subsidies to help offset the cost of health insurance for participating nonprofits.
  • Subsidies would be available on a sliding scale based on the nonprofit's size and financial resources.
  • Smaller nonprofits and those with limited budgets would receive higher subsidy amounts.

Administrative Simplification

  • The bill would streamline the administrative requirements for nonprofits to enroll in and maintain coverage through the program.
  • This includes simplifying enrollment processes, reducing paperwork, and providing dedicated customer support.

Eligibility and Enrollment

  • Nonprofit organizations must meet certain criteria to be eligible, such as having a valid tax-exempt status and operating primarily within the state.
  • The enrollment period would be open year-round, allowing nonprofits to sign up at any time.

Impact

The bill is intended to ease the financial burden of health insurance costs for nonprofit organizations, many of which struggle to provide affordable coverage to their employees. By creating a dedicated insurance program with premium subsidies, the legislation aims to improve access to quality, low-cost health plans for the nonprofit sector.

This could benefit an estimated 20,000 nonprofit organizations and their 350,000 employees across the state. Reducing health insurance expenses would allow nonprofits to redirect more resources towards their core missions and services.

Timeline

If passed, the Nonprofit Health Insurance Program would be established within 6 months and begin accepting enrollments within 1 year of the bill's effective date.

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

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