Amends Constitution to prohibit denial of coverage by certain health insurers based on preexisting conditions.

This bill proposes a constitutional amendment to prohibit New Jersey health insurance carriers from denying coverage or excluding benefits due to preexisting conditions. A preexisting condition is defined as a health issue present before coverage began. The amendment would apply to private insurers, health maintenance organizations, and state-run programs like the State Health Benefits Program, but exclude self-funded employer plans governed by federal law. If approved by voters, it would become part of New Jersey's Constitution, requiring insurers to cover preexisting conditions without restrictions.