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Bill

Bill

HB 1450

Health insurance; claims experience information.

2026 Regular Session Introduced by Keith Hodges

Requires health insurers to disclose standardized claims experience data to policyholders and employer groups upon request, increasing transparency in health insurance pricing and cost drivers.

Governor's recommendation received by House
0
WeVote Research Nonpartisan
Bill Summary · HB 1450

Legislative bill overview

HB 1450 requires health insurers to provide claims experience information to policyholders and employer groups in a standardized format. The bill establishes transparency requirements around what claims data insurers must disclose and the timeline for providing this information to those requesting it.

Why is this important

Claims experience data directly affects premium rates and renewal terms for both individual and group health plans. Greater transparency can help employers and individuals understand their insurance costs, identify healthcare spending patterns, and make more informed decisions about coverage options. This information asymmetry has historically favored insurers in rate negotiations.

Potential points of contention

  • Industry compliance costs: Insurers may argue standardizing and regularly distributing claims data creates administrative burden and IT system expenses that could be passed to consumers
  • Data privacy concerns: Detailed claims information could raise questions about what employee health data employer groups receive and how de-identification standards are enforced
  • Competitive disadvantages: Insurers may contend that detailed claims data disclosure could be exploited by competitors or used unfairly in rate negotiations by sophisticated large employers against smaller competitors

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

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