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Bill

EP

Bill

A 1387

Requires oral agreements concerning health insurance be delivered in writing within 30 days of contract formation.

2026-2027 Regular Session Introduced by Ellen Park

Requires health insurers to provide written documentation of oral health insurance agreements within 30 days to protect consumers and create enforceable records.

Introduced, Referred to Assembly Financial Institutions and Insurance Committee
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Bill Summary · A 1387

Legislative bill overview

Bill A 1387 requires that any oral agreements related to health insurance must be documented and provided in written form to the parties within 30 days of when the agreement is made. This applies to New Jersey and creates a written record requirement for what might otherwise remain as verbal commitments between insurers, brokers, or consumers.

Why is this important

Health insurance agreements often involve complex terms, coverage details, and conditions that are easy to dispute or misremember when only discussed verbally. Requiring written documentation protects consumers by creating a clear record of what was promised, reduces disputes about coverage terms, and provides enforcement mechanisms if either party claims the oral agreement differed from their understanding.

Potential points of contention

  • Business burden: Insurance companies and brokers may argue the 30-day timeline creates administrative costs and compliance challenges, particularly for high-volume operations or informal arrangements
  • Scope ambiguity: Unclear whether this covers all health insurance discussions (including casual phone calls) or only formal agreements, potentially creating disputes about what qualifies as a binding "oral agreement"
  • Enforceability gaps: The bill doesn't specify what remedies exist if written confirmation isn't provided within 30 days, or whether the lack of written documentation voids the oral agreement

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

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