INS-PAST DUE PREMIUMS

This bill makes it illegal for health insurance companies to deny coverage to individuals or employers because they haven't paid premiums on a previous insurance policy, except for certain grandfathered plans. It allows insurers to still collect any unpaid premiums through other legal methods. The bill aims to ensure that people can access health coverage even if they have past payment issues.

Supporters of the bill argue that it promotes fairness in the health insurance market by ensuring that individuals and employers are not penalized for past premium payments when seeking new coverage. They believe this legislation will increase access to health insurance for many who might otherwise be left without options due to financial hardships.

Critics of the bill contend that it could encourage irresponsible behavior among policyholders who may neglect premium payments, knowing they won't be denied coverage. They worry that this could lead to higher costs for insurers, which might ultimately result in increased premiums for all consumers.