StateCaliforniaIntroduced

AB 1823: Student health insurance.

Unknown Sponsor

AB 1823 status: Introduced — Chaptered by Secretary of State - Chapter 688, Statutes of 2022 (updated Sep 28, 2022).

01

What this bill does

Official summary alongside an AI-generated read on where it stands and why.

Overall Score

71OUT OF 100
Score:71/100 civic fit
Risk:Low Risk
Impact:Moderate Impact 65/100
Constitutionality95%
Bipartisan70%
Public opinion80%

Bill summary

What changes

The bill requires student health insurance coverage (blanket disability policies) to comply with core standards of the Affordable Care Act, such as essential health benefits and annual out-of-pocket maximums, starting January 1, 2024.

Who is affected

Students and dependents at higher education institutions, insurance issuers providing these blanket policies, and institutions of higher education.

Requirements and enforcement

Issuers must provide clear notice of state coverage mandates and enrollment options; plans must meet 60% actuarial value and prohibit health-factor discrimination.

Costs and funding

Potential increased premiums due to benefit mandates; administrative costs for institutions for notices and compliance updates.

When it takes effect

Effective for policy years beginning on or after January 1, 2024.

Potential benefits

Guaranteed minimum benefit levels, prohibition of preexisting condition exclusions, and clearer consumer rights for students.

Risks and tradeoffs

Exemption from typical open-enrollment requirements and potential for variable premium pricing based on institutional risk pools.

What is still unknown

The long-term impact on the stability of university-specific risk pools as compared to the general individual market.

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02

Impact analysis

✦ AI analysis

Modeled effects across six domains, estimated from bill text and comparable legislation.

Environment

No direct effect

Neutral — no direct effect identified.

Benefits

  • No material direct effect identified.

Risks

  • No material direct effect identified.

Economy

Positive outlook

60%

Benefits

  • Establishes clear regulatory standards for student health insurance
  • Increases price transparency via rate review requirements
  • Prevents surprise medical costs by requiring minimum 60% actuarial value

Risks

  • Increases compliance costs for institutions of higher education
  • May lead to premium adjustments due to mandatory coverage requirements
  • Limits flexibility for universities in designing unique risk pools

Society

Positive outlook

75%

Benefits

  • Ensures students access to essential health benefits
  • Protects students against annual and lifetime coverage limits
  • Standardizes out-of-pocket maximums for student plans

Risks

  • Requires students to evaluate complex insurance alternatives
  • Limited portability of student-specific plans post-graduation
  • Complexity in navigating interaction with Medi-Cal or parents' insurance

Technology Industry

No direct effect

Neutral — no direct effect identified.

Benefits

  • No material direct effect identified.

Risks

  • No material direct effect identified.

Civic Accountability

Positive outlook

70%

Benefits

  • Expands regulatory oversight of student blanket disability policies
  • Mandates clear consumer notice regarding state coverage requirements
  • Provides mechanism for rate review for large group plans

Risks

  • Exempts plans from some open enrollment and renewability standards
  • Creates a bifurcated regulatory environment for student plans
  • Administrative complexity in verifying compliance with multiple state sections

Public Health & Safety

Positive outlook

80%

Benefits

  • Guarantees coverage for medical, hospital, and surgical benefits
  • Prohibits exclusion of coverage based on preexisting conditions
  • Prevents health-factor discrimination for student eligibility

Risks

  • Exempts specific student plans from standard open enrollment rules
  • Does not mandate universal availability of student insurance products
  • Permits separate risk pools that could influence individual premiums
03

How trustworthy & consequential it is

Sourcing already shown above, this is what the analysis found worth flagging.

  • Source

    LegiScan

    Official bill text or data from LegiScan.

  • Confidence

    High

    Information is complete and verified.

  • Analysis basis

    LegiScan full bill text

    Source used for this bill's analysis.

Source note

Requires careful navigation of mandatory enrollment notices for students to avoid confusion with other health coverage options.

Analysis scope

Does not account for institutional variability across different state university systems.

04

Where it stands

Official record
  1. IntroducedCurrent
  2. CommitteeUpcoming
  3. Chamber votesUpcoming
  4. Final agreementUpcoming
  5. GovernorUpcoming
  6. EnactedUpcoming
05

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06

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