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Bill

H 5048

health insurance mandated benefit bills

194th Legislature (2025-2026)

Massachusetts bill requiring health insurance plans to cover state-mandated benefits, advancing through legislative committees with potential premium and coverage implications.

Discharged to the committee on House Rules
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Bill Summary · H 5048

Legislative bill overview

H 5048 is a Massachusetts bill requiring health insurance plans to cover specific medical benefits as mandated by state law. The bill has advanced through the Financial Services Committee and is currently in the House Rules Committee, traveling alongside three companion bills (H1170, H1189, H1307) that likely address related insurance coverage mandates.

Why is this important

Mandated health insurance benefits directly affect healthcare costs, insurance premiums, and patient access to specific treatments. These requirements determine what services insurers must cover, influencing both consumer out-of-pocket expenses and the overall cost of health plans in Massachusetts.

Potential points of contention

  • Cost impact: Mandated benefits increase insurance premiums for all policyholders, including those who may not use the covered services
  • Market scope: Unclear whether mandates apply equally to all insurers and plan types, potentially disadvantaging smaller plans or self-insured employers
  • Specific benefits undefined: The bill's actual coverage requirements aren't detailed in the legislative summary, making it difficult to assess whether mandates are reasonable or duplicative of existing coverage

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

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