Health Insurance - Plan Benefits and Coverage - Annual Reporting (Transparency, Reporting, Understanding, Timeliness, and Honesty (TRUTH) in Mental Health Coverage Act)

HB 1157 requires health insurance carriers in Maryland to annually report detailed data on mental health and substance use coverage to the Insurance Commissioner using a standardized template. This data includes access to services by facility type (e.g., outpatient, inpatient), provider type (e.g., psychiatrists, psychologists), and demographics (e.g., youth vs. adult, in-person vs. telehealth), along with network accuracy and availability. The Commissioner must make this data publicly accessible via a website with interactive dashboards. The law directly affects all health insurance companies offering plans in Maryland, aiming to improve transparency about coverage gaps in mental health care.