An Act To Prohibit Consideration of Naloxone Purchases in Life Insurance Underwriting
Be it enacted by the People of the State of Maine as follows:
Sec. 1. 24-A MRSA §2159-E is enacted to read:
§ 2159-E. Discrimination against naloxone hydrochloride purchases prohibited in life insurance
1. Discrimination prohibited. Notwithstanding any provision of law to the contrary and except as provided in subsection 2, an insurer authorized to do business in this State may not:
A. Limit coverage or refuse to issue or renew coverage of an individual under any life insurance policy due to the fact that the individual has been issued a prescription for naloxone hydrochloride or has purchased naloxone hydrochloride in accordance with Title 22, section 2353;
B. Consider the fact that an individual has been issued a prescription for naloxone hydrochloride or has purchased naloxone hydrochloride in determining the premium rate for coverage of that individual under a life insurance policy; or
C. Otherwise discriminate in the offering, issuance, cancellation, amount of coverage, price or any other condition of a life insurance policy based solely and without any additional actuarial justification upon the fact that an individual has been issued a prescription for naloxone hydrochloride or has purchased naloxone hydrochloride.
2. Exception. An insurer may take an action described in subsection 1 with respect to an individual who has a demonstrated history of opioid use disorder.
Effective 90 days following adjournment of the 129th Legislature, First Regular Session, unless otherwise indicated.