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HB 1223

Insurance, Health, Accident - As introduced, requires Tennessee advisory commission on intergovernmental relations (TACIR) to conduct an evaluation examining the frequency at which health insurers deny healthcare claims or reimbursements for policyholders and healthcare providers and an evaluation of related data for the past five calendar years; requires TACIR to report its findings to the appropriate standing committees of the general assembly by January 15, 2026. - Amends TCA Title 4, Chapter 10 and Title 56.

114th Regular Session (2025-2026) Introduced by Dan Howell

Tennessee must study health insurance claim denial patterns over five years and report findings to legislature by January 2026.

P2C, ref. to Insurance Committee
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Bill Summary · HB 1223

Legislative bill overview

HB 1223 directs Tennessee's Advisory Commission on Intergovernmental Relations (TACIR) to conduct a comprehensive study of health insurance claim denials and reimbursement rejections over the past five years. The commission must submit findings and analysis to the state legislature by January 15, 2026.

Why is this important

Claim denials significantly impact patients' access to care and financial stability, and providers' operational viability. This study would provide the first systematic state-level data on denial patterns, enabling lawmakers to identify whether problematic practices warrant regulatory intervention or consumer protections.

Potential points of contention

  • Data collection burden: Health insurers may argue the five-year retrospective data collection is administratively expensive and duplicative of existing federal reporting requirements
  • Scope ambiguity: The bill doesn't specify denial rates by type (medical necessity vs. procedural), which could lead to incomplete analysis or disputes over methodology
  • Remedial authority unclear: The bill creates a study mechanism but doesn't establish what actions the legislature would take with findings, raising questions about whether this is preliminary to stronger regulation or information-gathering only

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

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