Insurance, Health, Accident - As introduced, prohibits an insurer from denying, conditioning the issuance or effectiveness of, or discriminating in the pricing of a medicare supplement policy if an applicant meets certain listed requirements, including a non-age eligible person who submits an application for enrollment in a medicare supplement policy with a different insurer within 60 days of such person's birthday and makes other related changes. - Amends TCA Title 56.

HB 1848 prohibits Tennessee insurers from denying or charging higher rates for Medicare supplement policies based on health status, specifically for "non-age eligible persons" under 65 who qualify for Medicare due to disability or end-stage renal disease. It requires insurers to offer these policies at the weighted average premium rate (calculated across all Medicare-eligible age groups) without waiting periods or preexisting condition exclusions. The law applies to applicants who submit applications within 60 days of their birthday when switching insurers, or during specified enrollment periods before January 2027. The bill takes effect January 1, 2027, affecting insurers and this specific group of Medicare beneficiaries.