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Bill

Bill

SB 5845

Modernizing and clarifying timely payment requirements for health carriers.

2025-2026 Regular Session Introduced by Mike Chapman and 8 co-sponsors

SB 5845 modernizes Washington health carrier claim payment timelines to clarify standards and strengthen enforcement of prompt reimbursement to healthcare providers.

Delivered to Governor.
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WeVote Research Nonpartisan
Bill Summary · SB 5845

Legislative bill overview

SB 5845 updates Washington state's requirements for health insurance carriers to process and pay claims within specified timeframes. The bill modernizes existing timely payment regulations to clarify standards and potentially strengthen enforcement mechanisms for prompt claim reimbursement.

Why is this important

Timely claim payments directly affect healthcare providers' cash flow and their ability to maintain operations and staffing. Delayed payments can increase administrative burden on medical practices and hospitals, potentially affecting patient care access. Clear, enforceable payment standards protect both providers and insurers from disputes.

Potential points of contention

  • Compliance costs: Stricter timelines may require health carriers to invest in billing system upgrades and additional staff, potentially increasing premiums
  • Definition disputes: Disagreement over what qualifies as "timely" and what exceptions should apply (e.g., for incomplete claims or fraud investigation)
  • Provider vs. insurer interests: Providers may want shorter payment windows while insurers argue for flexibility to investigate claims; balance affects healthcare market dynamics

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

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