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Bill

SD 747

An Act relative to transparency of consumer health insurance rights

194th Legislature (2025-2026) Introduced by Cynthia Creem

Massachusetts bill requires health insurers to provide standardized, plain-language disclosures of consumer rights and coverage details to improve transparency and reduce healthcare confusion.

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WeVote Research Nonpartisan
Bill Summary · SD 747

Legislative bill overview

SD 747 requires health insurance companies in Massachusetts to provide clear, standardized disclosures to consumers about their coverage rights, benefits, and limitations. The bill aims to make insurance documents more understandable and accessible, reducing confusion about what is and isn't covered.

Why is this important

Health insurance documents are notoriously complex, leaving many consumers unaware of their actual coverage, deductibles, and appeal rights. Better transparency can help people make informed healthcare decisions, catch billing errors, and understand when they can challenge insurance denials—ultimately reducing out-of-pocket surprises and disputes.

Potential points of contention

  • Compliance costs: Insurance companies may argue that standardizing disclosures across multiple product types requires significant administrative and legal restructuring, potentially raising premiums
  • Standardization challenges: Defining what counts as "clear" and "transparent" language is subjective; different consumer groups may have different literacy levels and information needs
  • Scope limitations: The bill may not address the root complexity of insurance itself—clearer documents don't resolve underlying issues like narrow networks, prior authorization requirements, or high deductibles that frustrate consumers

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

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