This bill amends New Jersey law to ensure that health insurance contracts provide coverage for adult children aged 26 or older who are unable to sustain employment due to physical or intellectual disabilities and are primarily dependent on the subscriber for support. This legislation aims to protect families by allowing them to maintain health benefits for their adult children with disabilities, ensuring they do not lose coverage as they age out of typical dependent status.

Furthermore, the bill stipulates that insurers must allow enrollment for these adult children without being subject to open enrollment restrictions, thereby facilitating access to necessary health benefits. It also reinforces existing protections for dependent coverage for children under 26, prohibiting denial of coverage based on factors such as marital status or residency. Additionally, custodial parents are granted the authority to manage claims for children covered under a noncustodial parent's plan, enhancing the overall support structure for families with disabled adult children. The act is set to take effect 90 days after its enactment.

Statutes affected:
Introduced: 17:48-6.15, 17:48A-7.10, 17:48E-32.1, 17B:27-30.1, 17B:27-30.3, 17B:27A-4.1, 17B:27A-18.1, 26:2J-10.1