Change provisions relating to workers' compensation insurance policies and deductibles

This bill modifies Nebraska's workers' compensation insurance rules to allow employers to choose deductibles for medical claims or overall policy costs. Employers could select a medical deductible between $500 and $2,500 per claim, or a broader deductible covering up to 40% of their annual premium but no less than $50,000. The law ensures insurers remain responsible for paying medical providers directly and that employees cannot be required to pay deductibles or lose their right to choose doctors. Insurers must assess an employer's financial ability to pay deductibles before offering this option, and employer-paid deductible amounts will count toward experience modification ratings starting in 2027.