An Act relative to greater fairness in insurance

This bill prohibits insurance companies from including clauses that allow them to use their own discretion to decide eligibility for benefits or interpret policy terms in ways that conflict with Massachusetts law. It directly affects residents of Massachusetts who hold life, health, annuity, accident, long-term care, or disability insurance policies by invalidating any such discretionary provisions within their contracts. The legislation also requires the state insurance commissioner to reject any new or renewed policies that contain these banned clauses or include misleading, ambiguous, or deceptive language. By removing the ability of insurers to apply deferential standards of review, the bill aims to ensure that policy interpretations align strictly with state regulations rather than internal company judgments.