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WashingtonSB 58452025-2026 Regular SessionSenateWALLET

Modernizing and clarifying timely payment requirements for health carriers.

Sponsored By: Member 27504

Became Law

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Bill Overview

Analyzed Economic Effects

6 provisions identified: 3 benefits, 0 costs, 3 mixed.

Interest when insurers pay late

If an insurer misses the timelines or notice rules, interest starts on the unpaid claim. Interest is simple and prorated: 1% per month for days 1–60, and 1.5% per month from day 61 until payment, denial, or a final appeal. The insurer must add this interest to the claim automatically. You do not need to submit a separate claim for the interest.

Penalties and accountability for insurers

The insurance commissioner may penalize insurers for claims that break the notice or payment rules and stay unresolved for more than 90 days. The commissioner looks for patterns of repeated violations. Insurers are responsible for their agents and contractors, and cannot blame subcontractors for violations.

Faster claim decisions for providers

For participating providers and Indian health care providers, insurers must pay or deny a clean claim within 30 days of receipt. If a claim is not clean, the insurer has 21 days to send a notice that denies it with reasons or asks for the missing items. The insurer must try to ask for all needed info in one request and cannot ask for more for 30 days. Once all requested info arrives, the claim is treated as clean and must be paid or denied within 30 days. If the provider takes more than 21 days to send everything, the insurer gets 40 days after it receives the info. The receipt date is the day the insurer gets written or electronic notice, and insurers must offer a reasonable way to confirm receipt and answer status questions.

Patients not charged insurer interest

If an insurer owes interest for paying a claim late, the insurer must pay it. The insurer cannot add that interest to your deductible, copay, coinsurance, or similar costs.

Exceptions for fraud and emergencies

Insurers can set aside the timing rules for claims with documented fraud or material misrepresentation proven by reviews, audits, or data patterns. Providers, facilities, and insurers are excused from the rules when certain events disrupt operations, such as acts of God, bankruptcy, government emergency actions, cyberattacks, declared disasters, or strikes.

Who these timelines apply to

These rules apply to plans the insurance commissioner regulates and to PEBB and SEBB plans. They do not apply to Medicaid managed care plans. The rules start with plans filed or renewed on or after January 1, 2027. Claims covered are from participating providers and from Indian health care providers. Payment rules for nonparticipating providers stay the same, except for the Indian provider carve‑in.

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Sponsors & Cosponsors

Sponsor

  • Member 27504

    House

Cosponsors

  • Annette Cleveland

    Democratic • Senate

  • Bob Hasegawa

    Democratic • Senate

  • Deborah Krishnadasan

    Democratic • Senate

  • Javier Valdez

    Democratic • Senate

  • Marcus Riccelli

    Democratic • Senate

  • Mike Chapman

    Democratic • Senate

  • Paul Harris

    Republican • Senate

  • Ron Muzzall

    Republican • Senate

  • T'wina Nobles

    Democratic • Senate

Roll Call Votes

All Roll Calls

Yes: 192 • No: 0

Senate vote • 3/9/2026

Final Passage as Amended by the House

Yes: 49 • No: 0

House vote • 3/5/2026

Final Passage as Amended by the House

Yes: 95 • No: 0 • Other: 3

Senate vote • 2/11/2026

3rd Reading & Final Passage

Yes: 48 • No: 0 • Other: 1

Actions Timeline

  1. Effective date 6/11/2026*.

    3/23/2026Senate

  2. Chapter 158, 2026 Laws.

    3/23/2026Senate

  3. Governor signed.

    3/23/2026legislature

  4. Delivered to Governor.

    3/12/2026legislature

  5. Speaker signed.

    3/11/2026legislature

  6. President signed.

    3/10/2026legislature

  7. Passed final passage; yeas, 49; nays, 0; absent, 0; excused, 0.

    3/9/2026Senate

  8. Senate concurred in House amendments.

    3/9/2026House

  9. Rules suspended. Placed on Third Reading.

    3/5/2026Senate

  10. Committee amendment(s) adopted as amended.

    3/5/2026Senate

  11. Third reading, passed; yeas, 95; nays, 0; absent, 0; excused, 3.

    3/5/2026Senate

  12. Rules Committee relieved of further consideration. Placed on second reading.

    3/4/2026Senate

  13. APP - Majority; do pass with amendment(s) by Health Care & Wellness.

    3/2/2026Senate

  14. APP - Executive action taken by committee.

    3/2/2026Senate

  15. Referred to Rules 2 Review.

    3/2/2026Senate

  16. Referred to Appropriations.

    2/25/2026Senate

  17. HCW - Executive action taken by committee.

    2/24/2026Senate

  18. Minority; without recommendation.

    2/24/2026Senate

  19. HCW - Majority; do pass with amendment(s).

    2/24/2026Senate

  20. First reading, referred to Health Care & Wellness.

    2/14/2026Senate

  21. Third reading, passed; yeas, 48; nays, 0; absent, 0; excused, 1.

    2/11/2026Senate

  22. Rules suspended. Placed on Third Reading.

    2/11/2026Senate

  23. Floor amendment(s) adopted.

    2/11/2026Senate

  24. 1st substitute bill substituted.

    2/11/2026Senate

  25. Placed on second reading by Rules Committee.

    2/10/2026Senate

Bill Text

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