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Bill

LC 3523

Generally revise healthcare policy disclosure laws

2025 Regular Session

Proposes revising health care policy disclosure laws to boost transparency for consumers about coverage, benefits, costs, and terms.

(LC) Draft Died in Process
#insurance #healthcareservices
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Bill Summary · LC 3523

Summary of LC 3523 — Generally revise healthcare policy disclosure laws

Status: Draft Died in Process (LC)
Introduced: December 14, 2024
Drafter Assigned: December 14, 2024
Latest Legislative Action: May 23, 2025 — (LC) Draft Died in Process
Classification: bill
Subject: Health Care Services; Insurance

Overview and purpose

LC 3523 is a proposed statute intended to generally revise laws governing disclosure requirements related to health care policy. The bill’s title indicates a focus on improving or updating how health care policies and related information are disclosed to consumers, insurers, providers, and regulators. As drafted, the bill did not advance beyond the drafting stage, and no enacted changes to current law are in effect.

Scope and potential provisions (note: text not provided)

Because the actual legislative text is not available, the following are typical areas that a bill with this title might address. These are illustrative categories rather than confirmed provisions of LC 3523:

  • Consumer disclosures

    • Clarity and standardization of information about coverage, benefits, deductibles, coinsurance, and out-of-pocket maximums.
    • Requirements for advance notice of changes to coverage or formulary updates.

  • Provider and network information

    • Timely disclosure of network status, changes in participating providers, and access to up-to-date provider directories.

  • Price transparency

    • Disclosure of negotiated rates, itemized pricing for common procedures, and predictability of costs for patients.

  • Policy terms and conditions

    • Standardized presentation of key policy terms, exclusions, limitations, and claim procedures.

  • Enforcement and penalties

    • Mechanisms to enforce disclosure requirements, including penalties or remedies for non-compliance.

  • Privacy and data handling

    • Guidelines for sharing patient- or policyholder-related information in disclosures, consistent with privacy laws.

  • Effective dates and transition

    • Schedule for implementation, phased-in requirements, and any sunset provisions.

Who would be affected

  • Health insurers and health benefit plans (including multi-state or self-insured plans that fall under state disclosure rules)
  • Employers and plan sponsors
  • Health care providers and provider networks
  • Consumers/policyholders and patients
  • State regulators and statutory compliance offices
  • Information technology vendors and systems supporting disclosures (e.g., claims, pricing, and directory systems)

Procedural and timeline aspects

  • The bill was introduced on December 14, 2024, and assigned to a drafter on that date.
  • The recent action on May 23, 2025 indicates the draft died in process, meaning the bill did not proceed through committee or receive floor consideration in its current form during the session. No further legally binding action occurs unless reintroduced in a future session.
  • If revived, typical steps would include committee hearings, amendments, floor votes, and potential executive approval depending on the legislative process of the jurisdiction.

Potential impact if enacted (hypothetical)

  • Increased transparency for consumers regarding coverage and costs.
  • Higher administrative compliance burden on insurers and plans.
  • Possible improvements in consumer understanding and informed decision-making.
  • Need for standardized disclosure formats and potential IT/system updates to ensure timely and accurate disclosures.

If the text becomes available or if there is an updated status, I can provide a more precise, provisions-focused summary.

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

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