AN ACT REQUIRING HEALTH INSURERS TO ALLOW A COVERED PERSON TO TERMINATE COVERAGE AND PROCURE ALTERNATE HEALTH INSURANCE WITHOUT PENALTY WHEN SUCH COVERED PERSON'S HEALTH CARE PROVIDERS ARE DESIGNATED OUT-OF-NETWORK.

SB 454 requires health insurers to allow patients to switch to a new insurer without fees, penalties, or coverage gaps if their current insurer designates their healthcare provider as "out-of-network" due to a dispute. It directly affects patients whose doctors or hospitals are removed from their insurance network. The bill mandates that insurers must permit these patients to terminate coverage and transition to another plan while providing support to minimize disruptions in care. This policy aims to protect patient access to preferred providers and maintain continuity of care during coverage changes.