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Bill

HB 1639

Requiring entities offering medicare advantage coverage in Washington to provide certain disclosures to consumers.

2025-2026 Regular Session Introduced by Adam Bernbaum and 6 co-sponsors

Washington requires Medicare Advantage insurers to disclose plan details to consumers, improving transparency for seniors choosing coverage options.

Public hearing in the House Committee on Health Care & Wellness at 8:00 AM.
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WeVote Research Nonpartisan
Bill Summary · HB 1639

Legislative bill overview

HB 1639 mandates that entities offering Medicare Advantage plans in Washington state provide specific disclosures to consumers about their coverage, benefits, and plan details. The bill aims to enhance transparency in the Medicare Advantage marketplace by requiring clearer information delivery to prospective and current enrollees.

Why is this important

Medicare Advantage plans have grown significantly as an alternative to traditional Medicare, but consumers often struggle to understand plan differences, coverage limitations, and out-of-pocket costs. Clear disclosures can help seniors make informed decisions about their healthcare coverage and reduce confusion about what services are actually covered under their plans.

Potential points of contention

  • Insurance industry compliance costs: Health insurers may argue that additional disclosure requirements increase administrative burden and costs, which could be passed to consumers or affect plan availability
  • Scope and specificity unclear: The bill's language does not specify which particular disclosures are required, leaving ambiguity about what information must be provided and whether it duplicates existing federal disclosure requirements
  • Enforcement mechanisms: The bill does not clarify how Washington state will monitor compliance, investigate violations, or what penalties entities face for non-compliance

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

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