Change eligibility requirements for medicare supplement policies

LB 64 changes Nebraska's rules for Medicare supplement insurance (Medigap) policies. It requires insurers to offer these policies to people under 65 who qualify for Medicare due to disability (not just those 65+), and establishes an annual 30-day open enrollment period starting January 1, 2026, based on the applicant's birthday. During this period, insurers cannot deny coverage, charge more based on health status, or exclude preexisting conditions. Premiums for under-65 disability enrollees can be up to 150% of the standard rate for those 65+, but must be actuarially sound and not unfairly discriminatory.