AN ACT RELATING TO INSURANCE -- MEDICARE SUPPLEMENT INSURANCE POLICIES

HB 5499 strengthens Rhode Island's Medicare supplement insurance (Medigap) rules to improve access for eligible residents. It prohibits insurers from denying coverage or charging more based on health status (including preexisting conditions) for applicants under 65 with disabilities or end-stage renal disease, and guarantees issue rights for Plan A during annual enrollment. The bill also requires the state insurance commissioner to set standards for policy terms, premiums, and claims handling, while banning medical underwriting for certain applicants. These changes directly affect Rhode Island Medicare beneficiaries (ages 65+ or under 65 with qualifying disabilities) and insurers selling Medigap policies in the state. The law takes effect January 1, 2026.