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Bill

AB 280

Health care coverage: provider directories.

2025-2026 Regular Session Introduced by Cecilia Aguiar-Curry

California requires health insurers to maintain accurate provider directories with enforceable penalties, reducing patient out-of-pocket costs from inaccurate coverage information.

Ordered to inactive file at the request of Senator Durazo.
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Bill Summary · AB 280

Legislative bill overview

AB 280 requires California health insurers to maintain accurate, up-to-date provider directories and establishes penalties for non-compliance. The bill aims to ensure patients can reliably identify in-network doctors and facilities through online directories and other accessible formats.

Why is this important

Outdated or inaccurate provider directories force patients to make unexpected out-of-network payments, delay necessary care, or waste time verifying coverage before appointments. This is a widespread consumer problem affecting healthcare access and affordability across California's insured population.

Potential points of contention

  • Compliance costs: Insurers argue maintaining real-time directories requires significant IT infrastructure investment and ongoing administrative expense
  • Provider data responsibility: Unclear whether liability falls on insurers, providers, or both when directory information becomes stale due to provider non-cooperation
  • Enforcement mechanism: The bill's penalty structure and enforcement authority may be insufficient to incentivize compliance or may be considered excessive by industry stakeholders

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

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