NevadaSB29283rd Regular Session (2025)SenateWALLET

AN ACT relating to insurance; requiring certain insurers to allow certain persons who are less than 65 years of age to purchase a Medicare supplemental policy that the insurer makes available for purchase to new insureds who are 65 years of age or older; imposing certain restrictions on the limitations, terms and conditions such an insurer may impose and the premiums such an insurer may charge for such policies to persons who are less than 65 years of age; requiring such an insurer to establish certain open enrollment periods for the purchase of a Medicare supplemental policy; prohibiting an insurer from imposing an exclusion of certain benefits with respect to a Medicare supplemental policy issued during an open enrollment period; and providing other matters properly relating thereto.

Sponsored By: RobertaAssistant Majority Leader Lange (Democratic)

Signed by Governor

BDR 57-1069

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Bill Overview

Analyzed Economic Effects

5 provisions identified: 5 benefits, 0 costs, 0 mixed.

Premium caps for under-65 Medigap

If you are under 65 and on Medicare due to disability or ESRD, your premium for Plan A, B, or D cannot be higher than the 65-year-old premium for the same policy. For any other standardized plan, your premium cannot be more than 200% of the premium charged to a 65-year-old for the same policy.

Annual birthday-month Medigap shopping window

If you already have a Medigap policy, each year you get an open enrollment starting the first day of your birthday month. It stays open at least 60 days. Insurers cannot deny you, charge you more for health reasons, or add preexisting condition exclusions during that time. They must give you 30–60 days’ advance notice. Commissions on purchases in this window must be treated like renewals.

One-time Medigap window: Oct 2025–Apr 2026

If you are under 65 and enrolled in Medicare Part B on October 1, 2025 because of disability or ESRD, you get a one-time Medigap open enrollment. The window runs from October 1, 2025 through April 1, 2026. During this time, insurers cannot deny you or add preexisting condition exclusions. This applies to insurers that offered Medigap in Nevada on October 1, 2025, including certain public plans.

Under-65 Medicare enrollees get Medigap access

Insurers that sell Medigap in Nevada must let people under 65 on Medicare for disability or ESRD buy any policy they offer to new 65-year-olds. They cannot add extra limits or conditions that do not apply to 65+ buyers. Your open enrollment starts the first day of the first month you enrolled in Medicare Part B and lasts at least six months. During that window, insurers cannot deny you or add preexisting condition exclusions. You may choose any Medigap policy the insurer sells to new 65+ customers.

Nonprofit and public plans follow Medigap rules

Nonprofit hospital and medical or dental service corporations are treated as insurers under this law. Local government group insurance and self-insured plans must follow these Medigap rules, and some contracts need approval from the state insurance commissioner. The law uses the federal definition of “Medicare supplemental policy” in 42 C.F.R. § 403.205. Local governments’ extra costs to carry out this law are exempt from NRS 354.599.

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Sponsors & Cosponsors

Sponsor

  • RobertaAssistant Majority Leader Lange

    Democratic • Senate

Cosponsors

There are no cosponsors for this bill.

Roll Call Votes

All Roll Calls

Yes: 59 • No: 3

House vote 5/22/2025

Final Passage - Assembly (1st Reprint)

Yes: 39 • No: 3

Senate vote 4/1/2025

Final Passage - Senate (As Introduced)

Yes: 20 • No: 0

Actions Timeline

  1. Chapter 287.

    6/6/2025legislature
  2. Approved by the Governor.

    6/5/2025legislature
  3. Enrolled and delivered to Governor.

    5/31/2025legislature
  4. Assembly Amendment No. 703 concurred in. To enrollment.

    5/29/2025Senate
  5. In Senate.

    5/23/2025Senate
  6. To Senate.

    5/23/2025House
  7. From printer. To engrossment. Engrossed. First reprint.

    5/23/2025House
  8. To printer.

    5/22/2025House
  9. Read third time. Passed, as amended. Title approved. (Yeas: 39, Nays: 3.)

    5/22/2025House
  10. Dispensed with reprinting.

    5/21/2025House
  11. Read second time. Amended. (Amend. No. 703.)

    5/21/2025House
  12. Placed on Second Reading File.

    5/21/2025House
  13. From committee: Amend, and do pass as amended.

    5/21/2025House
  14. Read first time. Referred to Committee on Commerce and Labor. To committee.

    4/3/2025House
  15. In Assembly.

    4/3/2025House
  16. Read third time. Passed. Title approved. (Yeas: 20, Nays: None, Excused: 1.) To Assembly.

    4/1/2025Senate
  17. Read second time.

    3/31/2025Senate
  18. From committee: Do pass.

    3/27/2025Senate
  19. From printer. To committee.

    3/7/2025Senate
  20. Read first time. Referred to Committee on Commerce and Labor. To printer.

    3/6/2025Senate

Bill Text

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