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HB 927

Insurance, Health, Accident - As enacted, clarifies that excepted benefits are not part of a requirement to provide coverage for a specific person, provider, treatment, service, condition, or disease, unless coverage of such excepted benefits is expressly required by law. - Amends TCA Title 56.

114th Regular Session (2025-2026) Introduced by David Hawk

Clarifies that supplemental insurance benefits need not be included in health plans unless state or federal law explicitly requires them, potentially reducing insurer coverage obligations in Tennessee.

Comp. became Pub. Ch. 210
#accident #health #insurance
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WeVote Research Nonpartisan
Bill Summary · HB 927

Legislative bill overview

HB 927 clarifies that "excepted benefits" (limited insurance products like dental, vision, or accident coverage) are not required to be included in health insurance plans unless state or federal law explicitly mandates them. The bill amends Tennessee's insurance code to establish this distinction between comprehensive health coverage requirements and supplemental benefit offerings.

Why is this important

This legislation affects how insurance companies design and market health plans in Tennessee. It could lower costs for insurers by reducing mandatory coverage obligations, but may also affect consumer expectations about what's included in standard health insurance policies. The clarification potentially impacts both individual purchasers and employers selecting health plans.

Potential points of contention

  • Consumer protection concerns: Critics may argue the bill weakens insurance comprehensiveness by allowing insurers to exclude benefits that consumers expect as standard, requiring separate purchases instead
  • Market fragmentation: The law could lead to more "bare bones" health plans with fewer integrated services, potentially complicating consumer choice and comparison
  • Defining "expressly required": The vague language around what constitutes an explicit legal requirement for coverage could create disputes between insurers and regulators over interpretation

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

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