HB 276 revises Maryland's Public Access Automated External Defibrillator (AED) Program to clarify requirements for entities using AEDs. It establishes a mandatory "AED Coordinator" role to maintain AED functionality and reporting, repeals outdated requirements for regional council AED committees, and exempts law enforcement agencies from needing a certificate for AEDs deployed in patrol vehicles. The bill affects businesses, organizations, and government entities that operate public AEDs, requiring them to maintain written AED plans and coordinate with emergency services. Key changes streamline oversight while ensuring AEDs remain accessible and properly maintained for public use during cardiac emergencies.
This bill modifies when health coverage starts for small business employees enrolling during special periods (like marriage, divorce, birth, or court orders). It allows SHOP Exchanges to let employees choose whether coverage begins the next month or the month after, based on when they submit their plan selection (first half of month = next month start; second half = two months later). This directly affects Maryland small businesses using SHOP Exchange plans and their employees who qualify for these special enrollment events. The change applies specifically to enrollments triggered by court orders, death, or divorce/separation. The bill takes effect October 1, 2026.
SB 14 adjusts when health coverage becomes effective for small businesses using Maryland's SHOP Exchange during specific special enrollment periods. It allows SHOP Exchanges to set coverage start dates based on when plan selections are received: the first day of the following month if received by the 15th, or the second month if received after the 15th. This applies to enrollments triggered by court-ordered dependents (like child support), death of an employee or dependent, or divorce/legal separation. The bill directly affects small employers and their employees/dependents who qualify for these special enrollment scenarios under Maryland's SHOP program. It takes effect October 1, 2026.
SB 139 amends Maryland law to strengthen oversight of third-party administrators (TPAs) who manage insurance claims for employers or insurers. It expands grounds for the Insurance Commissioner to deny, suspend, or revoke a TPA’s registration (including violations of insurance laws or regulations) and updates civil penalty rules. The bill sets a maximum $10,000 penalty per violation for TPA misconduct, with daily penalties up to $1,000 for ongoing violations. Penalties are determined based on factors like violation severity, the TPA’s history, and harm to policyholders, ensuring enforcement considers context and impact.
HB 277 strengthens oversight of third-party administrators (TPAs) in Maryland’s insurance industry. It expands grounds for the Insurance Commissioner to deny, suspend, or revoke a TPA’s registration - including violations of insurance laws - and increases civil penalties for violations from $1,000 per day to a maximum of $10,000 per violation. The bill also requires the Commissioner to consider factors like the seriousness of the violation, the TPA’s history, and harm to plan participants when setting penalties. This directly affects TPAs managing insurance claims and benefits, imposing stricter accountability for compliance with Maryland’s insurance regulations, effective October 1, 2026.
SB 134 requires Maryland insurance carriers to issue Medicare supplement policies (Medigap) to specific eligible individuals without denying coverage or charging higher premiums based on health status. It directly affects: (1) people transitioning from Maryland Medicaid to Medicare Part B, (2) individuals who became Medicare-eligible before January 2020, and (3) disabled people under 65 who qualify for Medicare. Key provisions mandate that carriers must sell these policies during defined 63-day enrollment periods following Medicaid disenrollment or qualifying events, and prohibit health-based pricing or denial for plans A and D. The law also requires carriers to offer comparable or lower-benefit plans during birthday renewals starting July 2026.
HB 275 requires Maryland insurance carriers to issue Medicare supplement policies without discrimination based on health status during specific enrollment periods. It directly affects Medicare beneficiaries transitioning from Maryland Medical Assistance (Medicaid), disabled individuals under 65 eligible for Medicare, and those with certain federal special enrollment rights. Key provisions include banning denials or higher premiums due to health conditions during a 63-day window after Medicaid termination or qualifying events, and mandating equal or lower-benefit policy options during birthday renewals starting in 2026. The bill ensures these groups can access coverage without health-based barriers, effective July 1, 2026.
SB 205 codifies federal mental health parity requirements into Maryland law, requiring health insurance carriers to comply with the Paul Wellstone and Pete Domenici Mental Health Parity Act. It mandates carriers to collect and report data on access to mental health and substance use disorder benefits, explain differences in care access, and undergo comparative analyses of nonquantitative treatment limitations. The Maryland Insurance Commissioner gains authority to review carrier reports and address noncompliance. This bill directly affects all health insurance carriers operating in Maryland, ensuring their coverage aligns with federal parity standards for mental health and substance use disorder benefits. It clarifies enforcement mechanisms without creating new benefit requirements.
HB 280 codifies Maryland’s health insurance requirements for mental health and substance use disorder coverage to align with federal parity laws. It requires health insurers to collect and report data on access to these services, explain differences in coverage rules, and comply with federal standards for equal treatment. The Maryland Insurance Commissioner will review insurer reports and address noncompliance. This bill directly affects health insurance companies and their policyholders seeking mental health or substance use disorder care.
HB 278, the "Longevity Ready Maryland Act," requires Maryland's Secretary of Aging to lead implementation of the Longevity Ready Maryland Plan. This plan aims to coordinate state services for older adults by evaluating their needs, assessing existing programs, and fostering cross-sector collaboration across health, housing, employment, and social services. The bill mandates annual reports to the governor and legislature on progress, updates the Commission on Aging's role, and requires a comprehensive statewide plan to be revised every four years. It directly affects older Marylanders, the Department of Aging, local area agencies on aging, and state agencies responsible for aging-related services.
