NevadaAB44883rd Regular Session (2025)House

AN ACT relating to health care; establishing various requirements relating to providers of vision insurance and providers of vision care; revising provisions relating to certain contracts between a provider of vision insurance and a provider of vision care; prohibiting certain conduct of a provider of vision insurance or provider of vision care which would constitute an unfair or deceptive trade practice in the business of insurance; and providing other matters properly relating thereto.

Sponsored By: Gregory S. Koenig (Republican)

Signed by Governor

BDR 57-983

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Bill Overview

Analyzed Economic Effects

4 provisions identified: 3 benefits, 0 costs, 1 mixed.

HMOs and limited plans face new rules

Starting January 1, 2026, many HMO plans must follow insurance trade‑practice rules when those rules fit. HMOs cannot cancel or refuse to renew your coverage except for nonpayment or other cause listed in the master contract. HMOs that are not licensed as insurers cannot use words like “insurance” or “mutual,” and only certificated entities may call themselves an HMO. Prepaid limited health service organizations and some nonprofit hospital or service corporations are treated like insurers where those rules apply. These changes add clearer protections and reduce misleading branding.

New rules for vision plans and eye doctors

The law adds strong protections for people with vision benefits and their eye doctors. Vision insurers cannot control medical judgment, hire your doctor to provide covered care, or take back payment when you were eligible that day. They cannot cap what doctors charge for non‑covered care, force use of certain labs or products, or change pay based on the lab or supplier a doctor chooses. Insurers must share reimbursement rates before signing network contracts and must disclose any ownership ties to suppliers. Doctors must tell you in writing about any money interests or rebates before you agree to get glasses or contacts from a non‑network supplier. Ads cannot call items “covered” if they are only discounts or need extra copays or coinsurance. Insurers also cannot force a doctor to join one of their plans just to join another. The law defines who counts as an enrollee, what services and materials are covered, and which plans are included. These protections apply to plans and contracts delivered, issued, or renewed on or after January 1, 2026. Contracts in force on January 1, 2026, keep their terms until they renew.

Stronger enforcement against unfair vision practices

The Insurance Commissioner can investigate and stop unfair or deceptive acts tied to vision coverage. The Commissioner may hold hearings, order bad actors to stop, and fine companies up to $5,000 per violation. Licensed agents, brokers, solicitors, or adjusters face up to $500 per violation. Companies, agents, and sellers must follow these trade‑practice rules.

New rules for public employee health plans

If the Public Employees’ Benefits Program is self‑insured, it must follow insurer rules starting January 1, 2026. Local government self‑insurance funds must also follow key insurance and trade‑practice rules starting that date. New local costs tied to this law are not subject to NRS 354.599. These steps can give public workers protections like those in insured plans, while changing how local budgets handle added costs.

Sponsors & Cosponsors

Sponsor

  • Gregory S. Koenig

    Republican • House

Cosponsors

There are no cosponsors for this bill.

Roll Call Votes

All Roll Calls

Yes: 63 • No: 0

Senate vote • 5/23/2025

Final Passage - Senate (2nd Reprint)

Yes: 21 • No: 0

House vote • 4/22/2025

Final Passage - Assembly (1st Reprint)

Yes: 42 • No: 0

Actions Timeline

  1. Chapter 316.

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

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

    5/29/2025legislature
  4. Senate Amendment No. 680 concurred in. To enrollment.

    5/27/2025House
  5. In Assembly.

    5/26/2025House
  6. Read third time. Passed, as amended. Title approved, as amended. (Yeas: 21, Nays: None.) To Assembly.

    5/23/2025Senate
  7. From printer. To re-engrossment. Re-engrossed. Second reprint.

    5/23/2025Senate
  8. Read second time. Amended. (Amend. No. 680.) To printer.

    5/22/2025Senate
  9. Placed on Second Reading File.

    5/22/2025Senate
  10. From committee: Amend, and do pass as amended.

    5/22/2025Senate
  11. Read first time. Referred to Committee on Health and Human Services. To committee.

    4/28/2025Senate
  12. In Senate.

    4/24/2025Senate
  13. To Senate.

    4/24/2025House
  14. From printer. To engrossment. Engrossed. First reprint.

    4/24/2025House
  15. To printer.

    4/22/2025House
  16. Read third time. Passed, as amended. Title approved. (Yeas: 42, Nays: None.)

    4/22/2025House
  17. Taken from General File. Placed on General File for next legislative day.

    4/21/2025House
  18. Dispensed with reprinting.

    4/18/2025House
  19. Read second time. Amended. (Amend. No. 479.)

    4/18/2025House
  20. Placed on Second Reading File.

    4/18/2025House
  21. From committee: Amend, and do pass as amended.

    4/18/2025House
  22. From printer. To committee.

    3/18/2025House
  23. Read first time. Referred to Committee on Commerce and Labor. To printer.

    3/17/2025House

Bill Text

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