Bill
HB 390
HB 390 prohibits insurers from requiring providers to collect patient copayments upfront, shifting cost collection to post-service billing between insurers and patients.
HB 390 would prohibit health insurance plans from requiring healthcare providers to collect copayments from patients at the point of service. Instead, patients would be billed directly by insurers or providers after care is rendered. The bill targets the current practice where insurers contractually obligate in-network providers to collect patient cost-sharing obligations upfront.
This addresses a real friction point in healthcare access: patients without immediate cash on hand may delay or avoid necessary care due to upfront copay requirements, even with valid insurance coverage. Conversely, providers argue current collection practices protect insurers from absorbing costs. The policy change could meaningfully affect both patient behavior and provider cash flow management, particularly for low-income patients.
Compiled from official sources — confirm details with the bill’s official record.
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