Exclude certain agricultural entities from insurance regulations
Legislative Analysis Report Exclude certain agricultural entities from insurance regulations
1. Primary Purpose of the Bill
This bill exempts certain long-standing nonprofit agricultural organizations from state insurance regulations. Specifically, it allows these organizations to offer healthcare coverage to their members and families without being subject to Ohio's insurance laws or the oversight of the state superintendent of insurance.
AgricultureInsuranceHealthcare
2. Changes to Existing Law
ORC Sec. 3901.96 Creates a new section of law that defines 'nonprofit agricultural membership organizations' and exempts their member healthcare plans from state insurance regulations and the oversight of the Superintendent of Insurance. It also permits these plans to be backed or reinsured by licensed insurance companies.
3. Key Information for Citizens
🗳️ What You Need to Know
- Healthcare plans offered by qualified agricultural organizations to their members are not legally considered 'insurance' under Ohio law.
- The Ohio Superintendent of Insurance will not have regulatory authority or oversight over these specific healthcare plans.
- To qualify for this exemption, the agricultural organization must have been incorporated in Ohio on or before December 31, 1919, to support farmers.
- These agricultural healthcare plans are allowed to use traditional insurance companies to help cover or reinsure their financial risks.
4. Entities Affected
- Nonprofit agricultural membership organizations incorporated in Ohio before 1920
- Members of these agricultural organizations and their families
- Insurance and reinsurance companies operating in Ohio
5. Regulatory Impact & Enforcement
Agency Authority: The Ohio Department of Insurance and the Superintendent of Insurance are stripped of regulatory authority and jurisdiction over healthcare plans provided by qualified nonprofit agricultural membership organizations.
Penalties & Mandates: Not applicable
Implementation Timeline: Not applicable
6. Estimated Fiscal Impact
State Revenue Impact
Not applicable
Local Government Impact
Not applicable
Implementation Costs
Not applicable
Net Annual Fiscal Effect
Not applicable
Policy doesn’t happen in a vacuum. Meet the representatives and senators who introduced this bill and are pushing it through the chamber. Click on any sponsor to see their district, party affiliation, and what other legislation they’ve championed this session.
Primary Sponsors
Susan Manchester
District
12
Chamber
Senate
Party
Republican
Co-Sponsors
Related Topics
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Status Changes
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Referred to committee
Apr 09 2025
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Referred to committee
Feb 12 2025
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Reported - Amended
Apr 02 2025
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Sent to Governor
Jun 24 2025
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Sent To The Governor
Jun 24 2025
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Signed By The Governor
Jul 01 2025
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Documents
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