health insurance claims; consumer assistance

HB 2581 establishes a state-run health care claims consumer assistance program within Arizona's Department of Insurance to help individuals enrolled in or seeking health insurance plans. The program assists consumers with filing complaints, appeals, and resolving disputed claims against health insurers. Key provisions require insurers to pay double the amount of any wrongfully denied or underpaid claim (including attorney fees) and face civil penalties of at least $25,000 per violation for repeated denials. Insurers must report denial data to the department, and the department must publish annual public reports detailing claim denials, wrongful denials, and enforcement actions by insurer.