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H 2202

An Act creating parity for mental and behavioral health services

194th Legislature (2025-2026) Introduced by Marjorie Decker and 1 co-sponsor

Massachusetts bill establishing equal insurance coverage and treatment standards for mental health and behavioral services as physical health services.

Reporting date extended to Thursday, December 31, 2026
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Bill Summary · H 2202

Legislative bill overview

H 2202 aims to establish parity between mental and behavioral health services and physical health services in Massachusetts, ensuring they receive equal coverage and treatment under health insurance plans. The bill addresses disparities in how insurers and healthcare systems handle mental health claims, access, and reimbursement compared to medical services.

Why is this important

Mental health parity has been a long-standing issue despite federal parity laws, as insurers and providers often apply stricter limitations to mental health coverage than physical health. This bill could improve access to necessary behavioral health treatments, reduce out-of-pocket costs for consumers, and address the growing mental health crisis by removing practical barriers to care that persist despite existing regulations.

Potential points of contention

  • Insurance cost implications: Insurers and employers may argue the mandate increases premiums and healthcare costs, though supporters counter that untreated mental illness creates larger economic burdens
  • Implementation complexity: Healthcare providers and insurers may face significant operational challenges aligning mental and physical health networks, billing systems, and prior authorization processes
  • Scope definition: Disagreement over which services qualify for parity, how "equivalent" coverage should be measured, and whether it applies to all payers (commercial insurance, Medicaid, Medicare) or selected populations

Compiled from official sources — confirm details with the bill’s official record.

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