WeVote
Log In

Bill

Bill

A 5106

Prohibits certain requirements in insurance contracts

2025 Regular Session Introduced by Pamela Hunter

Prohibits insurer-imposed requirements in insurance contracts, protecting policyholders by limiting terms and disclosures on contracts issued or renewed.

REFERRED TO INSURANCE
0
WeVote Research Nonpartisan
Bill Summary · A 5106

Summary of Assembly Bill A 5106 — Prohibits certain requirements in insurance contracts

Quick Facts

  • Bill Number: A 5106
  • Title: Prohibits certain requirements in insurance contracts
  • Status: Referred to the Assembly Insurance Committee
  • Introduced: February 12, 2025
  • Primary Sponsor: Pamela J. Hunter
  • Related/Companion Legislation:
    • Senate counterpart: S 7577
    • Prior-session related Assembly bills: A 9781, A 3659, A 3148

Purpose and Intent

The bill’s stated objective is to prohibit certain requirements within insurance contracts. The available summary does not enumerate the specific prohibitions; the exact prohibitions and any accompanying definitions or standards would be contained in the bill’s text. The overall aim appears to be strengthening consumer protections by limiting contractual obligations that insurers may impose on insureds or applicants.

Key Provisions (What the bill would do)

  • Prohibition Scope: The bill would ban or restrict particular requirements that insurers can place in insurance contracts. The precise list of prohibited requirements, definitions, and any exceptions would be specified in the bill’s text.
  • Enforcement and Penalties: Any enforcement mechanisms, penalties for violations, and remedies available to aggrieved parties would be outlined in the full bill (not present in the provided summary).
  • Application: Likely to apply to contracts issued or renewed within the state; the exact scope (types of insurance, contract forms, and parties affected) would be defined in the enacted text.

Note: The supplied information does not include the full text, so details on the prohibited requirements, definitions, exemptions, and enforcement are not specified here.

Affected Parties and Impacts

  • Insurers: Would be subject to new limitations on contractual requirements; potentially changes to contract forms, disclosures, or terms.
  • Policyholders, applicants, and beneficiaries: Could gain protections against certain insurer-imposed conditions and practices.
  • Regulators and the market: The bill would introduce or clarify regulatory expectations and enforcement mechanisms.

Procedural and Timeline Aspects

  • Introduction Date: February 12, 2025
  • Current Status: Referred to the Assembly Insurance Committee (two entries show the same referral date)
  • Legislative Path: If approved by the Insurance Committee, the bill would typically proceed to floor consideration in the Assembly, then to the Senate (or be replaced by companion actions in the Senate). The companion bill S 7577 indicates cross-chamber interest, potentially mirroring the Assembly measure.

Related Legislation and Context

  • Companion: S 7577 (Senate)
  • Prior-session related Assembly bills: A 9781, A 3659, A 3148
  • These related measures suggest ongoing interest in prohibiting certain insurer-imposed contractual requirements across sessions.

What to Watch

  • The full text will define which contractual requirements are prohibited and may include specific exemptions, alignment with other consumer-protection statutes, and any phased implementation.
  • Monitor committee hearings for amendments that narrow or broaden the prohibitions and for any fiscal impact statements or regulatory guidance.

This summary reflects the information available from the bill’s brief introduction and related materials. For a complete understanding, the full bill text and fiscal notes should be reviewed once published.

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

Sign in to ask a question.