# Connecticut HB 05278: AN ACT PROHIBITING HEALTH CARE INSURERS FROM RETROACTIVELY DENYING HEALTH INSURANCE CLAIMS FOR BEHAVIORAL HEALTH AND SUBSTANCE ABUSE SERVICES.

Connecticut HB 05278, AN ACT PROHIBITING HEALTH CARE INSURERS FROM RETROACTIVELY DENYING HEALTH INSURANCE CLAIMS FOR BEHAVIORAL HEALTH AND SUBSTANCE ABUSE SERVICES., is a 2025 Regular Session House bill sponsored by Gary A. Turco (Democratic); status failed, last action 2025-01-15 (Referred to Joint Committee on Insurance and Real Estate) (as of 2026-10-17).

- Canonical: https://policyrisk.com/state-bill/CT-HB05278-2025
- As of: 2026-10-17
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: Connecticut HB 05278
- State: Connecticut
- Session: 2025 Regular Session
- Title: AN ACT PROHIBITING HEALTH CARE INSURERS FROM RETROACTIVELY DENYING HEALTH INSURANCE CLAIMS FOR BEHAVIORAL HEALTH AND SUBSTANCE ABUSE SERVICES.
- Status: failed
- Chamber: House
- Introduced: 2025-01-15
- Last action: 2025-01-15, Referred to Joint Committee on Insurance and Real Estate
- Sponsor: Gary A. Turco (Democratic)
- Cosponsors: 0
- Subjects: insurance and real estate
- Touches household money: no
- Economic provisions PRIA read: 0

## Summary

To limit health care insurers from retroactively denying health insurance claims and clawing back payments for behavioral health and substance abuse services: (1) After one year from the date of such service when prior authorization for such service was issued and the health care provider was paid for such service; and (2) when the health care insurer fails to provide written notice and an explanation of retroactive denial of the claim to the health care provider for such service within one year from the date of such service, except that health care insurers are exempt from such retroactive denial and clawback of claims limitations where any such heath insurance claim is based on fraudulent activity or such service was not delivered.

## Bill overview

No economic impacts identified for this bill.

## Sponsors and cosponsors

- Sponsor: Gary A. Turco (Democratic), House

## Actions (1)

- 2025-01-15: Referred to Joint Committee on Insurance and Real Estate (legislature)

## Bill text

- Proposed Bill, 2025-01-15: [PDF](https://www.cga.ct.gov/2025/TOB/H/PDF/2025HB-05278-R00-HB.PDF)

## Related bills

- HB 05013: AN ACT ADDING CERTAIN PLANTS TO THE INVASIVE PLANTS LIST. (signed)
- SB 01558: AN ACT CONCERNING INCOME TAXES IMPOSED BY OTHER JURISDICTIONS ON RESIDENTS OF THE STATE. (signed)
- SB 01396: AN ACT CONCERNING EARNED BUT UNPAID WAGE OR SALARY INCOME ADVANCES. (signed)
- SB 01187: AN ACT CONCERNING FORECLOSURE, ASSIGNMENT AND OTHER ENFORCEMENT ACTIONS FOR UNPAID SEWER ASSESSMENTS AND OTHER FEES AND CHARGES. (signed)
- HB 07236: AN ACT CONCERNING HUMAN TRAFFICKING AND SEXUAL ASSAULT VICTIMS. (signed)
- HB 07192: AN ACT IMPLEMENTING RECOMMENDATIONS OF THE BIPARTISAN DRUG TASK FORCE. (signed)

## Sources
- [Proposed Bill (PDF)](https://www.cga.ct.gov/2025/TOB/H/PDF/2025HB-05278-R00-HB.PDF)

## Related
- [HB 05013: AN ACT ADDING CERTAIN PLANTS TO THE INVASIVE PLANTS LIST.](https://policyrisk.com/state-bill/CT-HB05013-2025)
- [SB 01558: AN ACT CONCERNING INCOME TAXES IMPOSED BY OTHER JURISDICTIONS ON RESIDENTS OF T…](https://policyrisk.com/state-bill/CT-SB01558-2025)
- [SB 01396: AN ACT CONCERNING EARNED BUT UNPAID WAGE OR SALARY INCOME ADVANCES.](https://policyrisk.com/state-bill/CT-SB01396-2025)
- [SB 01187: AN ACT CONCERNING FORECLOSURE, ASSIGNMENT AND OTHER ENFORCEMENT ACTIONS FOR UNP…](https://policyrisk.com/state-bill/CT-SB01187-2025)
- [HB 07236: AN ACT CONCERNING HUMAN TRAFFICKING AND SEXUAL ASSAULT VICTIMS.](https://policyrisk.com/state-bill/CT-HB07236-2025)
- [HB 07192: AN ACT IMPLEMENTING RECOMMENDATIONS OF THE BIPARTISAN DRUG TASK FORCE.](https://policyrisk.com/state-bill/CT-HB07192-2025)
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Source: PRIA, https://policyrisk.com/state-bill/CT-HB05278-2025 (as of 2026-10-17).