FISCAL NOTE
Date Requested: February 04, 2026
Time Requested: 03:57 PM |
| Agency: |
Insurance Commission |
|---|
| CBD Number: |
Version: |
Bill Number: |
Resolution Number: |
| 2951 |
Introduced |
HB5102 |
|
|---|
| CBD Subject: |
Health; Insurance |
|---|
|
FUND(S):
7152
Sources of Revenue:
Special Fund
Legislation creates:
Fiscal Note Summary
Effect this measure will have on costs and revenues of state government.
House Bill 5102, if enacted, would require insurance coverage for habilitative speech therapy as a treatment for stuttering.
HB5102 would have no fiscal impact on the WV Offices of the Insurance Commissioner.
Please see memorandum summary for additional information.
Fiscal Note Detail
| Effect of Proposal |
Fiscal Year |
2026
Increase/Decrease
(use"-") |
2027
Increase/Decrease
(use"-") |
Fiscal Year
(Upon Full
Implementation) |
| 1. Estmated Total Cost |
0 |
0 |
0 |
| Personal Services |
0 |
0 |
0 |
| Current Expenses |
0 |
0 |
0 |
| Repairs and Alterations |
0 |
0 |
0 |
| Assets |
0 |
0 |
0 |
| Other |
0 |
0 |
0 |
| 2. Estimated Total Revenues |
0 |
0 |
0 |
Explanation of above estimates (including long-range effect):
Please explain increases and decreases in personal services, current expenses, repairs and alterations, assets, other costs and revenues, including assumptions and data sources and delineation between start-up and ongoing costs. Please also include a long-range schedule of costs and revenues if fiscal impact is expected to vary in future years.
Memorandum
House Bill 5102, if enacted, would require insurance coverage for habilitative speech therapy as a treatment for stuttering.
HB5102 would have no fiscal impact on the WV Offices of the Insurance Commissioner (OIC).
HB5102 may have an impact on insurance premium rates in the private market. The OIC does not currently possess data in regard to the effect this legislation may have on commercial health insurance carrier premium rates if enacted.
It should be noted that HB5102 does not contain language limiting the insurance benefits provided under the proposed bill to the essential health benefits(EHB) specified under section 130(b) of the Patient Protection and Affordable Care Act(PPACA). PPACA 1311 (d)(3) provides that a state must defray the cost by direct payment to enrollees or to the Plan of any state mandated benefit in excess of the EHB. To the extent that the health insurance benefits required by HB5102 do not fall within the EHB, a potential cost to the State exists.
As this bill amends their respective Code sections, it is recommended that PEIA be consulted regarding the fiscal impact to this program.
Person submitting Fiscal Note: Rhonda C Hartwell
Email Address: rc.hartwell@yahoo.com