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Bill

Bill

HB 297

relative to providing self-funded employer health benefit plans access to their claims data.

2025 Regular Session Introduced by Carry Spier

Requires health insurers to give self-funded employers direct access to their claims data in standardized formats to improve cost management and transparency.

Committee Report: Ought to Pass with Amendment # 2025-2987h 10/28/2025 (Vote 17-0; CC)
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WeVote Research Nonpartisan
Bill Summary · HB 297

Legislative bill overview

HB 297 requires health insurance carriers to provide self-funded employer health benefit plans with timely access to their own claims data in a standardized, usable format. The bill aims to give self-insured employers greater transparency and control over their healthcare spending and utilization information.

Why is this important

Self-funded employers currently bear the financial risk of their employees' medical claims but often lack direct access to detailed claims data, forcing them to rely on carriers as intermediaries. Providing direct data access enables employers to better manage costs, identify wasteful spending patterns, make informed plan design decisions, and potentially negotiate more effectively with vendors and providers.

Potential points of contention

  • Carrier burden and costs: Insurance carriers may argue that compiling and transmitting claims data in standardized formats creates operational expenses and IT infrastructure demands that could be passed to consumers
  • Data security and privacy: Detailed claims data contains sensitive health information; concerns exist about employer access to individual employee medical records and how that information may be used in personnel decisions or workplace discrimination
  • Competitive disadvantage: Carriers may claim mandatory data sharing requirements disadvantage them competitively and could reduce their ability to invest in analytics services they currently monetize

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

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