New Jersey insurance laws

What New Jersey has enacted on insurance, what each law requires, and what the bills still moving would do. New Jersey is one of 51 states that enacted an insurance law in the 2025 and 2026 sessions.

Bills in scope
539bills in scope
Past committee
89past committee
Most recent action
29 October 2026most recent action

Insurance laws enacted in New Jersey

15 insurance laws enacted in the New Jersey Legislature in the 2025 and 2026 sessions, newest first. Each links to the legislature's own page.

  • A 1203"Pet Insurance Act."Enacted 12 January 2026

    What it requires: Pet insurers must disclose to insureds policy exclusions, limitations, waiting periods, and claim payment bases. Pet insurers must include statutory definitions in policies and on websites. Insurance producers must complete training on preexisting conditions, waiting periods, wellness programs, and policy administration before selling pet insurance.

    Licensing, solvency and market conduct

  • S 2493Establishes minimum base NJ FamilyCare per diem reimbursement rate of $1,100 for special care nursing facility with neurologically impaired young adult unit.Enacted 12 January 2026

    What it requires: Beginning January 1, 2024, the Division of Medical Assistance and Health Services shall reimburse special care nursing facilities issued a certificate of need by the Department of Health as of July 1, 2023 to operate a neurologically impaired young adult unit at a minimum base NJ FamilyCare per diem rate of $1,100 or their FY 2022 base rate, whichever is greater, contingent on compliance with applicable state and federal laws.

  • S 3772Concerns valuation of board and lodging with respect to workers' compensation.Enacted 12 January 2026

    What it requires: Employers must value board and lodging furnished to employees as part of wages at market value unless the parties fixed a different amount at the time of hiring. If a claimant continues to receive board or lodging during total temporary disability, that value shall not be included in calculating the workers' compensation rate for temporary total disability.

    Workers' compensation, surety and specialty lines

  • A 5217Requires third-party discounts and payments for individuals covered by health benefits plans to apply to copayments, coinsurance, deductibles, or other out-of-pocket costs for covered benefits.Enacted 9 January 2026

    What it requires: Carriers and pharmacy benefits managers must give credit for any cost-sharing amounts paid by third parties when calculating an enrollee's contribution to copayments, coinsurance, deductibles, or other out-of-pocket costs. They must not set or alter health benefits plan terms based on availability of financial assistance for prescription drugs. Annual compliance certification to the Commissioner of Banking and Insurance is required.

    Health coverage and plan regulation

  • A 5278Establishes "New Jersey Menopause Coverage Act"; requires health insurance coverage of medically necessary perimenopause and menopause treatments.Enacted 9 January 2026

    What it requires: Hospital service corporations, medical service corporations, health service corporations, health maintenance organizations, individual and group health insurers, the State Health Benefits Commission, the School Employees' Health Benefits Commission, and the New Jersey FamilyCare Program must provide coverage for medically necessary perimenopause and menopause treatments including hormonal therapies, non-hormonal medications, behavioral health services, pelvic floor physical therapy, bone health treatments, preventative services, and counseling. Carriers must provide clear and accessible information about covered treatments.

    Health coverage and plan regulation

  • A 5459Extends time period in which to enroll newborn infant in health benefits coverage.Enacted 7 January 2026

    What it requires: Health service corporations and insurers must extend the enrollment period for newborn infants from 60 days to 90 days after birth. Notification of birth and required payment must be furnished within 90 days after the date of birth for coverage to continue beyond that period for both family-type and nonfamily-type contracts and policies.

    Health coverage and plan regulation

  • A 3802Differentiates certain legal services from traditional insurance products.Enacted 19 December 2025

    What it does: Amends the legal insurance statute to clarify that certain legal service plans are not insurance products, specifically excluding retainer contracts, consultation-only plans, union legal services, ERISA plans, and nonprofit legal services from the definition of legal insurance.

    Licensing, solvency and market conduct

  • S 2783"Travel Insurance Act."Enacted 20 October 2025

    What it requires: Limited lines travel insurance producers must establish and maintain a register of travel retailers, ensure designated responsible producer compliance, require employee training on insurance types and ethical sales practices, and provide consumers with material terms, claim filing processes, and insurer contact information. Travel retailers cannot evaluate technical insurance terms or hold themselves out as licensed insurers.

    Licensing, solvency and market conduct

  • A 5792Provides for workers' compensation coverage of certain counseling services for first responders and provides that certain mental health related communications are confidential.Enacted 21 August 2025

    What it requires: Employers of first responders must provide up to 12 hours of paid confidential counseling with a mental health professional to first responders who experience a critical incident, with the first responder authorized to select the professional. Employers must pay for up to 24 additional hours if a mental health professional determines it would benefit the first responder. Employers cannot require use of accrued leave for counseling sessions during work hours. Mental health communications between law enforcement officers and resiliency program officers or peer support team members are confidential and need not be disclosed except when the officer poses risk to self or others or evidence of crime exists.

    Workers' compensation, surety and specialty lines

  • S 1439Requires health benefits coverage for additional orthotic and prosthetic appliances under certain circumstances; requires coverage for orthotic and prosthetic appliances obtained through podiatrists.*Enacted 8 July 2025

    What it requires: Hospital service corporations, medical service corporations, health service corporations, individual health insurance policies, group health insurance policies, individual health benefits plans, small employer health benefits plans, health maintenance organizations, and the State Health Benefits Commission must provide coverage for orthotic and prosthetic appliances obtained from licensed orthotists, prosthetists, licensed podiatrists, or certified pedorthists when medically necessary, and for additional appliances when necessary for physical and recreational activities. Reimbursement must match the federal Medicare reimbursement schedule.

    Health coverage and plan regulation

  • S 1320Requires certain information be included in certain contracts with licensed public adjusters.Enacted 1 July 2025

    What it requires: Licensed public adjusters must enter into written contracts with insureds that include specified information: the adjuster's license number, services to be rendered, compensation amount, and the insured's right to cancel within three business days or terminate thereafter. Adjusters must not solicit or contract between 6 p.m. and 8 a.m. during the 24 hours after a loss occurs.

    Licensing, solvency and market conduct

  • A 5810Promotes equity in health insurance appeal process.Enacted 30 June 2025

    What it requires: Health insurance carriers must not charge fees for appeals of decisions to deny, reduce, or terminate benefits submitted to the Independent Health Care Appeals Program. Covered persons and health care providers may apply for independent review of final carrier decisions within 60 days of issuance.

    Health coverage and plan regulation

  • A 1825Establishes certain guidelines for SHBP, SEHBP, and Medicaid concerning step therapy protocols.Enacted 8 May 2025

    What it requires: Carriers and utilization review organizations must base step therapy protocols on clinical practice guidelines meeting specified standards or peer-reviewed publications. They must provide a clear process for step therapy exception requests and grant exceptions when the required drug is contraindicated, ineffective, previously failed, not in the patient's best interest, or the patient is stable on another drug. Decisions must be made within 72 hours or 24 hours in exigent circumstances.

    Health coverage and plan regulation

  • A 4163Requires health insurers to provide coverage for biomarker precision medical testing.*Enacted 23 April 2025

    What it requires: Hospital service corporations, medical service corporations, health service corporations, individual and group health insurers, health maintenance organizations, the State Health Benefits Commission, the School Employees' Health Benefits Commission, and the Department of Human Services must provide coverage for biomarker precision medical testing for diagnosis, treatment, management, or monitoring of disease when efficacy is recognized by FDA approvals, CMS determinations, or nationally-recognized clinical practice guidelines, excluding asymptomatic screening.

    Health coverage and plan regulation

  • S 1325Authorizes electronic delivery of documents relating to portable electronics insurance.Enacted 18 November 2024

    What it requires: Insurers must cease electronic mail delivery of notices and documents relating to portable electronics insurance if they have reasonable basis to believe the notice was not received or if the electronic mail address is no longer valid, and must instead use another delivery method authorized by law.

    Licensing, solvency and market conduct

Insurance in New Jersey, by topic

Insurance bills in New Jersey

The bills not yet law, furthest along first, with what each would do.

15Enacted

74Past committee

9Active in committee

441Introduced or inactive

539 bills in scope

Past committee

25 of 74 shown

A 1821Prohibits health insurance carriers from denying coverage of nonopioid prescription drugs in favor of opioid prescription drugs.Passed chamber

What it would do: Prohibits health insurance carriers, the State Health Benefits Commission, the School Employees' Health Benefits Commission, and the Medicaid program from denying coverage of nonopioid prescription drugs in favor of opioids or requiring patients to try opioids first, and prevents disadvantaging nonopioid drugs through restrictive coverage criteria, utilization controls, or higher cost-sharing than opioids.

A 434Prohibits SHBP, SEHBP, and Medicaid from denying coverage for maintenance medications for chronic conditions for covered persons solely because of change in health benefits plan or pharmacy benefits manager.Passed chamber

What it would do: Prohibits SHBP, SEHBP, and Medicaid from denying coverage for maintenance medications for chronic conditions when coverage denial results solely from a change in health benefits plan or pharmacy benefits manager, if the medication was previously covered and the new plan covers that drug class.

A 4560Creates Joint Blue Ribbon Task Force on Impacts of Climate Change on Property Insurance.Passed committee

What it would do: Creates a 17-member Joint Blue Ribbon Task Force on Impacts of Climate Change on Property Insurance within the Department of Banking and Insurance to assess climate change impacts on residential and commercial property insurance and submit recommendations to the Governor and Legislature within one year.

S 687Creates Joint Blue Ribbon Task Force on Impacts of Climate Change on Property Insurance.Passed chamber

What it would do: Creates a 17-member Joint Blue Ribbon Task Force in the Department of Banking and Insurance to assess climate change impacts on residential and commercial property insurance, requiring a report with findings and recommendations within one year of full membership appointment.

A 4641Concerns authority of municipal governing body to notify insurance company if there is activity at rental property which is suspected to violate general terms of rental property insurance policy.Passed chamber

What it would do: Authorizes municipalities to enact ordinances allowing them to notify insurance companies of reasonably observable activity at rental properties suspected to violate insurance policy terms, such as excessive noise, overcrowding, underage drinking, drug use, property destruction, fighting, or reckless behavior.

S 3703Concerns authority of municipal governing body to notify insurance company if there is activity at rental property which is suspected to violate general terms of rental property insurance policy.Passed committee

What it would do: Authorizes municipalities to enact ordinances allowing designated officials to notify insurance companies of reasonably observable activity at rental properties suspected of violating insurance policy terms, such as excessive noise, overcrowding, underage drinking, drug use, property destruction, fighting, or reckless behavior.

A 3066Requires DHS to review, and implement certain improvements to, Medicaid Managed Long-Term Services and Supports Program and to establish public-facing report card of managed care organization's coordination of program.Passed committee

What it would do: Requires the Division of Medical Assistance and Health Services to review the Medicaid Managed Long-Term Services and Supports Program, implement improvements including reduced caseloads and more frequent nursing home visits, and establish an annual public-facing report card comparing managed care organizations' performance.

A 3093Requires hospitals to provide breast cancer patients with information concerning reconstructive surgery; prohibits certain provisions in managed care plan contracts.Passed committee

What it would do: Requires general hospitals providing breast cancer surgical services to give patients written notice of their right to consult with and obtain reconstructive surgery from any board-certified plastic surgeon regardless of network affiliation. Prohibits managed care plan contracts from restricting provider recommendations for reconstructive surgery based on surgeon network status or hospital affiliation.

A 2550Requires continuation of health benefits dependent coverage for certain children with disabilities who are 26 years of age or older.Passed chamber

What it would do: Requires health insurers and group health plans to continue dependent coverage for adult children age 26 or older who are incapable of self-sustaining employment due to physical or intellectual disability and are chiefly dependent on the subscriber for support and maintenance.

A 3255Broadens scope of information sharing and civil immunity therefor, related to insurance fraud.Passed chamber

What it would do: Expands information sharing about insurance fraud among insurers, agents, support organizations, and law enforcement, and broadens civil immunity for good-faith disclosures related to detecting or preventing insurance fraud.

A 5062Requires health insurance and Medicaid coverage for testing and treatments to slow progression of Alzheimer's disease and related disorders.Passed chamber

What it would do: Requires health insurance carriers and State Medicaid to cover all medically necessary diagnostic testing and FDA-approved treatments for Alzheimer's disease and related disorders, without step therapy requirements.

A 3745Requires health insurance and Medicaid coverage for the treatment of stuttering.Passed committee

What it would do: Requires health insurers, health maintenance organizations, state health benefits programs, and Medicaid to cover medical expenses for stuttering treatment, including habilitative and rehabilitative speech therapy, when determined medically necessary or neurogenic or developmental by a medical doctor, whether delivered in-person or via telemedicine.

A 5209Requires health insurers to provide reason for denial of coverage for private duty nursing.Passed committee

What it would do: Requires health insurers to provide a full description of reasons for denying prior authorization requests for private duty nursing services, including rationale if denying medical necessity and explanation of why the physician's determination is invalid, plus examples of approved requests.

A 1142Expands requirements for health insurance carriers concerning prostate cancer screening. *Passed committee

What it would do: Requires health insurance carriers to cover annual prostate cancer screening without cost sharing according to nationally recognized clinical practice guidelines, expanding current requirements and applying to individual and small employer plans, state health benefits programs, and school employees' health benefits.

S 1404Broadens scope of information sharing and civil immunity therefor, related to insurance fraud.Passed committee

What it would do: Broadens civil immunity for persons sharing information about insurance fraud with regulators, law enforcement, and fraud prevention organizations, and expands the definition of persons eligible for such immunity beyond those filing required reports.

A 4443Requires residential mortgage lenders to deposit hazard insurance proceeds in interest-bearing accounts.Passed committee

What it would do: Requires residential mortgage lenders making loans on one to four family units to pay at least two percent annual interest on hazard insurance proceeds held in loss draft accounts, with interest credited annually or upon account termination, and prohibits fees that would result in less than two percent interest.

A 4562Requires automobile insurance carriers offer policies with 12-month term.Passed committee

What it would do: Requires automobile insurance carriers in New Jersey to offer insurance policies with a 12-month term as an option to insurance buyers, without affecting their ability to offer policies with shorter or longer terms.

A 2236Requires automatic issuance of credential to provide services in carrier provider network for physicians in good standing in New Jersey.Passed committee

What it would do: Requires carriers offering managed care plans to automatically approve physician credentialing applications using the universal form if the physician's license is in good standing with the State Board of Medical Examiners, effective immediately for applications received after enactment.

S 3187Prohibits motor vehicle liability insurance policy from restricting amount that may be recovered under policy.Passed committee

What it would do: Prohibits motor vehicle liability insurers from restricting recovery amounts under policies and requires minimum bodily injury coverage limits that increase over time, with uninsured/underinsured motorist coverage available up to $250,000 per person and $500,000 per accident.

S 3502Requires health insurance and Medicaid coverage for treatment of stuttering.*Passed committee

What it would do: Requires health insurance carriers, HMOs, health benefits plans, state employee health benefit commissions, and Medicaid to cover habilitative and rehabilitative speech therapy for stuttering treatment as determined medically necessary or neurogenic or developmental by a medical doctor or licensed speech-language pathologist, whether delivered in-person or via telemedicine.

A 4657Requires pharmacy benefits managers to make certain disclosures to health benefits plan sponsors.Passed committee

What it would do: Requires pharmacy benefits managers to submit detailed reports to plan sponsors and the department at least every six months disclosing drug costs, rebates, therapeutic class spending, and affiliated pharmacy information, and permits plan sponsors to audit pharmacy benefits managers annually.

A 3548Provides certain volunteer and other workers with maximum compensation benefit for workers' compensation claim regardless of outside employment.Passed committee

What it would do: Amends workers' compensation law to provide that volunteer firefighters, first aid workers, police officers, emergency management volunteers, health care workers, and certain other volunteers receive maximum compensation benefits regardless of outside employment status, and exempts them from the seven-day waiting period.

A 3724Provides personal liability for owner, executive officer, or executive director of employer for failure to pay for workers' compensation coverage.Passed committee

What it would do: Amends workers' compensation law to impose joint and several personal liability on employers and principal owners for penalties and assessments related to failure to secure workers' compensation coverage, making owners personally liable for uninsured employer violations.

S 3142Prohibits selection of health insurance coverage as primary under personal injury protection coverage.Passed chamber

What it would do: Prohibits automobile insurers from permitting selection of other health insurance coverage as primary for personal injury protection medical expense benefits and eliminates the option allowing health insurance to be primary coverage.

S 1796Expands requirements for health insurance carriers concerning prostate cancer screening and requires coverage be provided without cost sharing.Passed committee

What it would do: Requires health insurance carriers to cover annual prostate cancer screening without cost sharing for men aged 40 to 75, expanding the definition of screening to include follow-up testing such as urinary analysis, serum biomarkers, and medical imaging.

Showing the 25 furthest along of 524. Subscribers see all of them, filtered and searchable. Bill titles link to the New Jersey Legislature's own page.

What LawSignals covers

What counts as insurance legislation

In scope: Health coverage and plan regulation; auto; property and catastrophe; life and annuities; aI and data in underwriting; workers' compensation and specialty lines; and licensing, solvency and market conduct.

Questions

Does New Jersey have an insurance law?

Yes. New Jersey enacted 15 insurance laws in the 2025 and 2026 sessions, among them A 1203, S 2493 and S 3772. Each is listed on this page with what it requires.

Which insurance bills are moving in New Jersey?

74 bills not yet law have passed a committee or a chamber, the furthest along A 1821 (passed chamber), A 434 (passed chamber) and A 4560 (passed committee).

What does New Jersey legislate on most in insurance?

Health coverage and plan regulation (326 bills), Licensing, solvency and market conduct (78 bills) and Auto insurance (71 bills).

Are these summaries reviewed by a lawyer?

No. Which bills count as Insurance bills, and the line on what each law requires or each bill would do, are drafted by software from the bill's own text and not reviewed by an attorney. Every bill links to the legislature's own record: read the text before relying on it. The list covers bills from the 2025 and 2026 sessions.

Other practice areas in New Jersey

Insurance legislation in other jurisdictions

52 more currently hold bills in this tracker

Know when New Jersey's insurance law changes

An alert when a bill moves, and one report a month on what changed in every state and Congress.

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