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

ACR 113 proposes a constitutional amendment to prohibit New Jersey health insurance carriers from denying coverage or excluding benefits based on a person's preexisting health condition. This would apply to private insurers, health maintenance organizations (HMOs), health service corporations, and state-run programs like the State Health Benefits Program. The amendment explicitly excludes self-funded employer health plans, which are governed by federal law. If approved by voters, it would become part of the state constitution, requiring insurers regulated by New Jersey to cover preexisting conditions without restrictions.