NEW YORK, NY November 08, 2009 —As health care reform legislation heads to the US Senate after passing the House of Representatives, New York state senators are considering a bill that would make it harder for health insurers to discontinue coverage when they claim it's costing them too much. WNYC’s Fred Mogul has more.

REPORTER: The proposed "Ian’s Law" is based on a severely disabled man who needed around-the-clock nursing support. By law, his insurer couldn’t drop him individually, but was able to drop everyone who was receiving the same coverage. State Senator Eric Schneiderman says the new law would protect people with extreme needs. The head of the state Health Plan Association says insurance carriers already must apply to regulators when they alter coverage plans, but they need the flexibility to add and drop services over time.

For WNYC, I’m Fred Mogul.