Compare Bills

Primary Sponsor

Last Action

Ref to Health Care. If fav, re-ref to Rules and Operations of the Senate2025-03-18

Vote Breakdown

No floor votes recorded.

Plain Language Summary

This bill increases transparency and efficiency in health insurance utilization reviews—the process insurers use to approve or deny medical services. It sets faster approval timelines (24 hours for urgent care, 3 business days for non-urgent), requires clearer notification to patients and doctors, mandates that qualified medical professionals (not just algorithms) make decisions, and requires insurers to disclose their prior authorization requirements on websites and membership cards.

Arguments in Favor

• •Supporters argue this bill protects patients by ensuring faster decisions on urgent medical needs, preventing insurance companies from using only artificial intelligence to deny care, and making the approval process more transparent so patients understand their rights.
• •They contend these measures reduce delays in receiving necessary medical treatment and ensure qualified doctors review decisions rather than automated systems alone.

Arguments Against

• •Opponents may argue the strict timelines and requirements could increase administrative costs for insurance companies, potentially raising premiums for consumers, and that the prohibition on AI-based determinations could slow down some routine reviews.
• •They might also contend that existing processes adequately protect patients and that additional regulations could burden smaller insurers and utilization review organizations more than larger ones.