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A 4934

Establishes the organized militia as public employees working group

2025 Regular Session Introduced by Joe Angelino and 11 co-sponsors

Requires health insurers and plans to continue dependent coverage for adult children 26+ who are disabled and chiefly dependent on the subscriber.

REFERRED TO GOVERNMENTAL EMPLOYEES
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Bill Summary · A 4934

Summary — Assembly Bill A4934 (1R)

Status: Introduced Oct 21, 2024; reported by Assembly Financial Institutions & Insurance Committee with amendments (Dec 9, 2024); referred to Assembly Appropriations Committee; referred to Governmental Employees (Feb 10, 2025). Sponsor: Asw. Rosaura “Rosy” Bagolie et al. Companion: S3843.

Purpose

A4934 requires health insurers and group health plans that offer dependent coverage to continue to make that coverage available to certain adult children age 26 or older who have disabling conditions and remain chiefly dependent on the subscriber — effectively allowing continuation of dependent coverage past the usual age limit for eligible disabled adult children.

Key provisions

  • Amends provisions of P.L.1995, c.288 (multiple sections covering hospital, medical, and health service corporations and related health plans) to require coverage for an adult child age 26 or older if the child:
    • Is incapable of self-sustaining employment because of an intellectual disability or physical handicap; and
    • Is chiefly dependent on the subscriber for support and maintenance.
  • Committee amendments clarified the eligibility criteria for continued dependent coverage.
  • Applies to health insurers, hospital/medical service corporations, health maintenance organizations, and health benefits plans issued under the Individual Health Coverage Program and Small Employer Health Benefits Program, and to group health plans that provide dependent coverage.

Who is affected

  • Primary beneficiaries: adult children 26+ with intellectual or physical disabilities who are chiefly dependent on a parent/subscriber.
  • Employers and plan sponsors (including local governments and school districts) that offer dependent coverage through private insurers.
  • Private insurers and health plans required to provide this extended coverage.
  • State programs: potential reductions in NJ FamilyCare (Medicaid) enrollment among affected adults and possible reductions in State premium subsidy costs for marketplace coverage.

Fiscal and operational impact

  • Office of Legislative Services (OLS) finds the fiscal impact indeterminate:
    • Likely annual expenditure increases for certain local governments and school districts that provide dependent coverage through private insurers (indeterminate).
    • Potential annual State Medicaid expenditure decreases (and corresponding federal revenue decreases) if some adults disenroll from NJ FamilyCare to enroll on a parent’s plan.
    • Potential State savings from reduced State premium subsidies for marketplace enrollees who shift to parent coverage.
    • OLS cannot quantify the number of eligible individuals, premium impacts, or net fiscal effect due to insufficient data.
  • The requirement may affect future insurer contract pricing and plan design.

Timeline / Next steps

  • Bill remains in the legislative committee process (most recently referred to Governmental Employees). Further committee action, Assembly floor action, and companion Senate consideration would be required for enactment.

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

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