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A 7177

Authorizes health insurers to provide actuarially appropriate reductions in health insurance premiums for participation in a wellness program

2025 Regular Session Introduced by Rodneyse Bichotte Hermelyn

Authorizes NY health insurers to offer premium reductions for wellness-program participation, actuarially justified by expected cost savings, reducing enrollees' premiums.

REFERRED TO INSURANCE
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Bill Summary · A 7177

Bill Summary: A 7177

Overview

A 7177 is a New York bill titled “Authorizes health insurers to provide actuarially appropriate reductions in health insurance premiums for participation in a wellness program.” The bill is currently referred to the Assembly Committee on Insurance. It was introduced on March 21, 2025, with the primary sponsor listed as Rodneyse Bichotte Hermelyn. The related prior-session bill identified is A 10430.

Purpose and Intent

  • The bill seeks to authorize health insurers to offer premium reductions to enrollees who participate in wellness programs.
  • The reductions would be required to be actuarially appropriate, meaning they would need to be justified by expected cost savings or risk considerations associated with participation in the wellness program.

Key Provisions (as indicated by title and status)

  • Authorization: Health insurers would be permitted to provide premium reductions for participation in wellness programs.
  • Actuarial Justification: Any premium reductions would have to be actuarially appropriate, tying the discount to demonstrable financial effects on the insurer, the risk pool, or expected health care costs.
  • Scope: The measure would apply to health insurance products issued or offered by insurers regulated under state law (specific definitions would be in the bill text).
  • Administration: The bill would not mandate wellness programs themselves but would allow insurers to recognize participation with premium incentives where actuarially justified.

Affected Parties

  • Enrollees and policyholders who participate in wellness programs could receive premium reductions.
  • Health insurers and issuers of health benefit plans would implement and administer any approved reductions.
  • Employers offering insured health plans could see changes in premium structures if reductions affect pricing or participants’ costs.

Procedural and Timeline Aspects

  • Introduced: March 21, 2025.
  • Status: Referred to the Assembly Committee on Insurance (indicating consideration and potential amendment before floor action).
  • Legislative actions shown indicate two identical entries for the referral date (2025-03-21).

Related Legislation

  • A 10430 (prior-session) is noted as related, suggesting similar or precursor concepts in a prior legislative session.

Sponsor

  • Rodneyse Bichotte Hermelyn (primary)

Potential Impact and Considerations

  • If enacted, insurers could offer targeted premium discounts to encourage participation in wellness activities, potentially improving health outcomes and reducing medical costs over time.
  • Policy design questions would include what qualifies as a wellness program, what constitutes actuarial appropriateness, how discounts interact with existing plan designs, and how privacy and data use are handled in administering incentives.
  • Additional details would be clarified in the bill’s text and any committee amendments.

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

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