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SB 453

AN ACT REQUIRING THAT HEALTH CARRIERS ASSUME RESPONSIBILITY FOR THE COLLECTION OF OUT-OF-POCKET EXPENSES FOR COVERED BENEFITS.

2025 Regular Session Introduced by Saud Anwar

Connecticut bill requires health insurers to collect patient out-of-pocket costs directly, shifting billing burden from doctors to insurance companies.

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Bill Summary · SB 453

Legislative bill overview

SB 453 would require health insurance carriers to take on the responsibility of collecting out-of-pocket expenses (deductibles, copayments, and coinsurance) directly from patients for covered benefits, rather than leaving collection to healthcare providers. This shifts the administrative and financial burden of patient billing from medical providers to insurance companies.

Why is this important

This change could significantly reduce administrative costs for healthcare providers and simplify the billing process for patients by consolidating out-of-pocket payments through a single entity. However, it could also increase operational costs for insurers and potentially affect how quickly or aggressively out-of-pocket amounts are collected, which has downstream implications for provider cash flow and patient payment behavior.

Potential points of contention

  • Provider cash flow concerns: Healthcare providers rely on timely collection of out-of-pocket costs; shifting collection responsibility to insurers could delay payment and strain provider finances, particularly for smaller medical practices
  • Insurance company cost pass-through: Insurers may increase premiums or reduce coverage to offset new collection responsibilities, potentially raising overall healthcare costs for consumers
  • Collection enforcement: Unclear whether insurers would pursue aggressive collection tactics, and how enforcement would handle disputes about what constitutes a "covered benefit," potentially leaving patients caught between two entities

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

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