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California LTC Task Force Update 2024

 

Please note that we have only included updates on states that have introduced legislation or have a task force exploring long-term care programs.

Below is a brief update on activities from those states that are most engaged on this issue. It should be noted that proposed legislation typically sees many changes along the way after it is introduced and often takes years before it is passed as law, so it should not be assumed that any proposed legislation will be passed without modifications.

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CaliforniaUpdated 2/17/24

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The California Department of Insurance's recent release of an updated FAQ and new guidelines is in part due to the speculation that is being used in the market by some. As covered in the documents, there is no statewide LTC program in California and no legislation to create a statewide program has been introduced at this time. Any discussion of what a statewide program would look like, whether or not opt outs would be allowed and what the parameters for the opt outs (if included) would be is, at this time, speculative in nature.

What's on the docket?
The Long Term Care Insurance Task Force (Task Force) was established within the California Department of Insurance in 2019 with the passage of AB 567. Its mission is to explore the feasibility of a statewide insurance program for long-term care services and support. At this time, it appears the Task Force is considering recommending several designs that would include “opt-outs” for individuals who own private coverage. Specific requirements regarding qualifying coverage for the opt out is yet to be determined.

Where do things stand?
The California Department of Insurance (CD) Long-Term Care Task Force held their 24th and final meeting December 18, 2023, where they adopted the final Actuarial Report. This report will be sent to the Governer, Legislature and Commissioner of Insurance by January 1, 2024. A full list of the materials for this meeting can be found here. Any further meetings will require additional funding.
 
No legislation to introduce a state-run long-term care program was introduced prior to the February 16, 2024 new bill introduction deadline.

Important dates

  • Final Actuarial Study submitted to Governor, Insurance Commissioner and Legislature - 1/1/24

  • Presentation of final actuarial report - 12/18/23

​Additional Resources

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