health insurers; savings incentive program

SB 1159 requires Arizona health insurers to create a program where enrollees who receive medically necessary services at prices below the insurer's usual reimbursement can get 50% of the difference back. The program applies the refund toward the enrollee's deductible and out-of-pocket maximum, or reimburses them via a health savings account (HSA), a 530A account, or cash. This directly affects health insurers and their policyholders who use in-network providers. The bill defines "usual reimbursement" as the amount insurers typically pay for covered services and specifies eligible facilities like hospitals and urgent care centers.