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SB 1803

Commerce and Insurance, Dept. of - As introduced, directs the commissioner to use existing resources to study recent innovations by neighboring states to address substance use disorder through new health insurance coverage and reimbursement methods, strategies, or models; requires the commissioner to compile the findings and any recommendations from the study into a report for transmission to the general assembly no later than December 31, 2026. - Amends TCA Title 8; Title 33; Title 56 and Title 71.

114th Regular Session (2025-2026) Introduced by Ed Jackson

The bill directs a study of neighboring states’ SUD treatment coverage and reimbursement models (including recovery housing) and requires a report with findings and recommendations

Transmitted to Governor for action.
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Bill Summary · SB 1803

Summary: SB 1803 / HB 1756 (Session 114, Tennessee)

Purpose and intent

  • Directs the Commissioner of Commerce and Insurance to study neighboring states’ recent innovations in addressing substance use disorder (SUD) through health insurance coverage and reimbursement methods, strategies, or models.
  • The study may include coverage and reimbursement for recovery housing.
  • Requires the Commissioner to compile findings and any legislative recommendations into a report and transmit it to the General Assembly (chief clerks of the Senate and House, and the Legislative Librarian) no later than December 31, 2026. Transmission and publication may be electronic.

Key provisions and changes

  • Section 1 – Study mandate

    • The Commissioner must use existing resources to conduct the study.
    • Focus areas: neighboring states’ innovations in SUD treatment coverage and reimbursement models within health insurance.
    • The study may cover new methodologies for coverage and payment related to substance use disorder services.
    • Possible addition in amended version: inclusion of coverage/reimbursement for recovery housing.

  • Section 2 – Reporting requirement

    • The Commissioner must prepare a report detailing findings and any legislative recommendations arising from the study.
    • The report must be transmitted to:
    • Chief Clerk of the Senate
    • Chief Clerk of the House of Representatives
    • Legislative Librarian
    • Deadline: December 31, 2026.
    • Publication and transmission may be electronic.

Affected entities and stakeholders

  • Primary entity affected: Tennessee Department of Commerce and Insurance (TOCI), specifically the Commissioner.
  • Secondary impacts: Potential effects on health insurers operating in Tennessee, providers of SUD treatment services, recovery housing providers, policymakers, and legislators who may use the report to consider future legislation.
  • The bill does not directly create new mandates or statutory changes to coverage but studies and reports potential policy options.

Procedural and timeline details

  • Status (as of the latest action): Passed both chambers and transmitted to the Governor for action (April 2026). There were amendments and standard legislative process steps noted in the action history.
  • Effective date: The act takes effect upon becoming law (public welfare requiring it).
  • Reporting deadline: December 31, 2026.
  • Fiscal impact: Not significant. Analysis indicates the study can be completed using existing personnel and resources; no major new expenditures anticipated.
  • Impact on commerce: Not significant; no substantial expected impact on Tennessee commerce or jobs.

Additional notes

  • The fiscal notes and amendments explicitly include recovery housing in the scope of potential study topics.
  • The bill is modeled to gather data-driven insights from neighboring states to inform future Tennessee policy on SUD coverage and reimbursement.

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

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