States legislative intent to create a mechanism for the State to provide a universal health benefit plan (universal plan) to all State residents. Directs the Commissioner of Insurance (Commissioner) to develop and make progress toward establishing and implementing a universal plan where residents pay premiums on a sliding scale based on household income level. Specifies that coverage extends to residents with incomes that exceed Medicaid eligibility. Directs the Commissioner to submit its report to the specified NCGA committee by January 1, 2026, detailing implementation plans. 
Amends GS 58-2-40, directing the Commissioner to establish a State universal healthcare benefit plan. To that end, grants the Commissioner the authority to (1) create an advisory board or committee; (2) set and collect plan affordable premiums; and (3) design the benefit coverage available under the plan to meet or exceed federal requirements. Makes organizational and technical changes.
Appropriates $100,000 in recurring funds for 2025-26 from the General Fund to the Department of Insurance for implementation of the universal plan. Effective July 1, 2025.