In our ongoing quest to keep good doctors practicing in New Jersey, NJCJI supported A-1831 before the Assembly Health and Senior Services Committee, which advanced it with bipartisan support.
If enacted, A-1831 would help lower liability insurance premiums, which is frequently cited as a key reason for New Jersey’s so-called medical brain drain. Insurance premiums begin to increase the moment a lawsuit is filed. This bill would prevent insurance carriers from raising liability premiums based on a claim of medical practice, unless the physician is found liable in court. It would also prohibit insurers from increasing liability premiums in certain charitable or emergency situations.
A-1831 is an important first step to help reverse the public crisis of doctors fleeing our state, which is expected to worsen significantly in the next few years.
Practicing specialized medicine in New Jersey is comparatively difficult for recent medical school graduates. In addition to their student loans, new doctors must bear New Jersey’s high cost of liability insurance premiums. Specialties which carry some of the highest premiums, including obstetrics and gynecology, disproportionately impact New Jersey women. It is no longer cost effective for many existing OBGYNs in New Jersey to deliver babies, and many have stopped doing so altogether.
We thank the committee and Chairman Conaway for their advancement of this measure.