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: Roberta Lange (Democratic)

Signed by Governor

BDR 57-1069

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Bill Overview

Analyzed Economic Effects

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

Birthday Medigap switch with no underwriting

If you already have a Medigap policy, you get a yearly open enrollment starting the first day of your birthday month and lasting at least 60 days. During it, you can buy any plan your insurer sells in Nevada with the same or fewer benefits. Innovative benefits do not count in that comparison. Insurers cannot deny you or charge you more because of your health or past claims, and they cannot exclude preexisting conditions. Your insurer must notify you 30 to 60 days before it starts and list the dates, your rights, and any changes to benefits or premiums. Sales in this window are treated like renewals for agent commissions.

Under-65 Medigap window, guaranteed issue

If you are under 65 and enrolled in Medicare Part B due to disability or end-stage renal disease on October 1, 2025, you get a one-time Medigap open enrollment. It runs from October 1, 2025 through April 1, 2026. Any insurer offering Medigap in Nevada on October 1, 2025 must let you buy a plan. They cannot deny you, price you differently because of health, or exclude preexisting conditions. For this window, local government self-insured plans and the Public Employees’ Benefits Program count as insurers and must follow these rules.

Public and nonprofit Medigap must comply

If your Medigap coverage is offered through a local government self-insurance fund, the Board’s self-insured plan, or a nonprofit service corporation, those plans must follow the same Medigap rules as licensed insurers. This includes the new open enrollment protections and other listed consumer protections. People in those plans have the same rights when buying or switching Medigap coverage.

Local plans exempt from budget rule

Local governments do not have to follow NRS 354.599 for extra costs tied to this law. This lets them budget and pay these costs outside that rule.

Sponsors & Cosponsors

Sponsor

  • Roberta 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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