HB 2596 Missouri House · 2026 Regular Session

Modifies provisions relating to health benefit plans

HB 2596 modifies rules for multi-employer self-insured health plans, which are arrangements offering health benefits to employees of two or more employers (or self-employed individuals) without full insurance backing. The bill requires these plans to maintain a minimum financial safety net - either three times their average monthly premium, $600,000, or two times their risk-based capital amount - depending on their experience. This directly affects staff leasing companies and multi-employer health plans that operate without a fully insured insurer. The changes aim to ensure these plans have sufficient funds to cover future claims.
Bill status signed all 5 stages cleared
Introduction
Dec 2025
Committee Review
May 2026
House Passage
May 2026
Senate Passage
Apr 2026
Signed into Law
Jul 2026
Introduced Dec 29, 2025 Signed Jul 13, 2026
Maddy AI version diff · 4 comparisons

What changed between versions

Conference Committee Substitute Senate Substitute (Senate Floor Substitute) · 3 edits
MINOR
The bill was simplified by removing the section on self-administered hormonal contraceptives, reducing the total number of new sections from four to three. The remaining sections regarding multiple employer self-insured health plans were reformatted and slightly reworded for clarity, but the core requirements for trustees, bonding, and reporting remain unchanged.
Scope change
The bill's scope was narrowed by removing the mandate requiring health plans to cover self-administered hormonal contraceptives, which previously applied to plans starting in 2026 and 2027.
SCOPE

The requirement for health benefit plans to cover self-administered hormonal contraceptives was entirely deleted from the legislation.

REQUIREMENT

The text defining surplus account requirements for self-insured plans was reorganized and clarified, though the financial thresholds (e.g., six hundred thousand dollars) remain the same.

TECHNICAL

The bill's title, version number, and introductory text were updated to reflect the removal of the contraceptive coverage section and the reduction in the total number of new sections.

Floor votes

How they voted

This bill passed the Senate by voice vote (no roll call recorded).
Full legislative history

Actions timeline

Total actions
63
Key actions
24
Committee
22
Amendments
1
Jul 13, 2026
Signed into law
Approved by Governor (G)
lower
May 13, 2026
Lower · Passed
Truly Agreed To and Finally Passed - AYES: 22 NOES: 10 PRESENT: 0
lower
May 13, 2026
Upper · Passed
Senate Adopts Conference Committee Report (S) - AYES: 23 NOES: 8 PRESENT: 0
upper
May 13, 2026
Upper · Passed
Senate Submits Conference Committee Report (S)
upper
May 13, 2026
Lower · Passed
Third Read and Passed (H) - AYES: 119 NOES: 27 PRESENT: 0
lower
May 13, 2026
Lower · Passed
House Adopts Conference Committee Report (H) - AYES: 120 NOES: 26 PRESENT: 0
lower
May 13, 2026
Lower · Passed
House Submits Conference Committee Report (H)
lower
May 13, 2026
Lower · Passed
Reported Do Pass (H) - AYES: 8 NOES: 0 PRESENT: 0
lower
May 13, 2026
Lower · Passed
Voted Do Pass (H)
lower
May 12, 2026
Committee
Referred: Fiscal Review(H)
lower
May 12, 2026
Lower · Passed
House Distributes Conference Committee Report (H)
lower
May 7, 2026
Lower · Passed
House Conference Committee Appointed (H) - REPRESENTATIVES MCGAUGH, MILLER, DIEHL, MACKEY, BUSH
lower
Apr 27, 2026
Upper · Passed
Senate Conference Committee Appointed (S) - CRAWFORD, GREGORY(21), TRENT, MCCREERY, LEWIS
upper
Apr 20, 2026
Lower · Passed
Reported Do Pass (H) - AYES: 6 NOES: 1 PRESENT: 1
lower
Apr 20, 2026
Lower · Passed
Voted Do Pass (H)
lower
Apr 16, 2026
Committee
Referred: Fiscal Review(H)
lower
Apr 16, 2026
Introduced
Reported to the House with... (H) - SS, as amended
lower
Apr 15, 2026
Upper · Passed
Third Read and Passed with Amendments (S) - SA 1, SA 2, adopted - AYES: 26 NOES: 2 PRESENT: 0
upper
Apr 15, 2026
Upper · Passed
SS Adopted (S)
upper
Apr 15, 2026
Introduced
SS Offered
lower
Apr 8, 2026
Upper · Passed
Reported Do Pass (S)
upper
Apr 7, 2026
Upper · Passed
Voted Do Pass (S)
upper
Feb 26, 2026
Committee
Second read and referred: Insurance and Banking(S)
upper
Feb 19, 2026
Lower · Passed
Third Read and Passed (H) - AYES: 145 NOES: 0 PRESENT: 0
lower
Feb 17, 2026
Lower · Passed
HCS Adopted (H)
lower
Feb 10, 2026
Lower · Passed
Reported Do Pass (H) - AYES: 9 NOES: 0 PRESENT: 0
lower
Feb 10, 2026
Lower · Passed
Voted Do Pass (H)
lower
Feb 3, 2026
Committee
Referred: Rules - Administrative(H)
lower
Jan 29, 2026
Lower · Passed
HCS Reported Do Pass (H) - AYES: 15 NOES: 0 PRESENT: 0
lower
Jan 29, 2026
Lower · Passed
HCS Voted Do Pass (H)
lower
Jan 15, 2026
Committee
Referred: Health and Mental Health(H)
lower
Dec 29, 2025
Introduced
Prefiled (H)
lower
1 primary · 5 co-sponsors

Sponsors