All Roll Calls
Yes: 222 • No: 1
Sponsored By: Michelle Lopes Maldonado (Democratic)
Became Law
Health insurance; carrier business practices; electronic attachments. Provides that, in the following contexts, information may be submitted by a provider to a health insurance carrier through electronic attachment, as defined in the bill: (i) information related to services rendered as required by the carrier in its provider contract; (ii) information related to any defect or impropriety that prevents the carrier from deeming a health insurance claim a clean claim, as defined in existing law; and (iii) information required to establish medical necessity, benefit coverage, or prior authorization of services, or to conduct reconsideration activities. The bill has a delayed effective date of January 1, 2027. This bill is identical to SB 172.
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7 provisions identified: 4 benefits, 0 costs, 3 mixed.
Most rules take effect on January 1, 2027. Some parts of the law have earlier dates noted in those sections.
Carriers must pay clean claims within 40 days. If a claim has a defect, they must notify the submitter within 30 days and accept the fix as a compliant electronic attachment. Starting January 1, 2026, these defect notices and related information must be sent electronically. If interest is owed on a late claim, it must be paid with the claim or within 60 days. If a payment method charges provider fees, the carrier must offer a no‑fee option. If a denial is overturned in dispute review, the claim is treated as a clean claim for prompt payment.
If a carrier already said a service was medically necessary and covered, it must pay the claim, with limited exceptions like fraud, missing documentation, other-payer responsibility, prior payment, or unknown ineligibility. Carriers must also pay for extra, medically necessary procedures found during surgery when coded and submitted correctly. Retroactive denials or recoveries are limited to clear reasons, capped to 12 months unless both sides agree, and require at least 30 days’ advance notice. Starting January 1, 2026, these recovery notices must be delivered electronically, using the method named in the contract.
Providers who lose money because a carrier broke this law can sue for actual damages, and up to triple damages for gross negligence and willful conduct. They can also recover attorney fees and court costs, and each improper claim is a separate violation. Carriers cannot retaliate against providers for using their rights. Before filing a Commission complaint about unpaid claims, providers must try to confer with the carrier and wait 30 days unless the carrier is unresponsive. These duties apply even if carriers or providers use vendors or subcontractors. The Commission may issue rules to implement this law but cannot decide individual disputes under this section.
When a carrier offers a provider contract, it must include the fee schedule, reimbursement policy, how claims are calculated and paid, and all material attachments. Providers can confirm coverage and medical necessity by free phone or online, and carriers must accept needed information electronically, including attachments. Carriers must share coding, bundling, and downcoding rules and, if asked, provide applicable policies within 10 business days. If a carrier wants to change contract terms, it must give 60 days’ notice, and the provider has 30 days to choose to end the contract.
Provider contracts must bar discrimination against patients just because they are litigants, such as after a motor vehicle accident. A provider may still refuse care if that patient threatened or filed a malpractice or regulatory claim against the provider. If a provider repeatedly violates this rule and does not fix it, the Commission can refer the case to the Board of Medicine or the Health Commissioner for enforcement.
Beginning July 1, 2025, carriers must give providers an electronic way to confirm if a patient is covered and under the Commission’s jurisdiction. By July 1, 2025, carriers must send provider contracts and notices electronically (not by fax). By January 1, 2026, providers must send contracts and notices to carriers electronically (not by fax). Contracts must state the agreed electronic method and location.
Michelle Lopes Maldonado
Democratic • House
There are no cosponsors for this bill.
All Roll Calls
Yes: 222 • No: 1
Senate vote • 2/26/2026
Passed Senate Block Vote
Yes: 40 • No: 0
Senate vote • 2/25/2026
Constitutional reading dispensed Block Vote (on 2nd reading)
Yes: 40 • No: 0
Senate vote • 2/25/2026
Passed by for the day Block Vote (Voice Vote)
Yes: 0 • No: 0
Senate vote • 2/23/2026
Reported from Commerce and Labor
Yes: 14 • No: 0
House vote • 2/11/2026
Read third time and passed House
Yes: 98 • No: 0
House vote • 2/5/2026
Reported from Labor and Commerce with substitute
Yes: 21 • No: 1
House vote • 2/3/2026
Subcommittee recommends reporting with substitute
Yes: 9 • No: 0 • Other: 1
Acts of Assembly Chapter text (CHAP0200)
Approved by Governor-Chapter 200 (effective 7/1/2026)
Governor's Action Deadline 11:59 p.m., April 13, 2026
Enrolled Bill communicated to Governor on March 10, 2026
Fiscal Impact Statement from State Corporation Commission (HB676)
Bill text as passed House and Senate (HB676ER)
Enrolled
Signed by President
Signed by Speaker
Passed Senate Block Vote (40-Y 0-N 0-A)
Read third time
Passed by for the day Block Vote (Voice Vote)
Constitutional reading dispensed Block Vote (on 2nd reading) (40-Y 0-N 0-A)
Rules suspended
Reported from Commerce and Labor (14-Y 0-N)
Fiscal Impact Statement from State Corporation Commission (HB676)
Referred to Committee on Commerce and Labor
Constitutional reading dispensed (on 1st reading)
Read third time and passed House (98-Y 0-N 0-A)
Engrossed by House - committee substitute
committee substitute agreed to
Read second time
Read first time
Committee substitute printed 26106262D-H1
Reported from Labor and Commerce with substitute (21-Y 1-N)
Chaptered
4/6/2026
Enrolled
3/3/2026
Substitute
2/5/2026
Substitute
2/4/2026
Substitute
2/3/2026
Introduced
1/13/2026
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