Revise noneconomic damages in medical malpractice actions

HB 195 revises Montana’s cap on non-monetary damages (like pain, suffering, and emotional distress) in medical malpractice cases. It immediately raises the limit from $250,000 to $300,000, with scheduled annual increases: $350,000 in 2026, $400,000 in 2027, $450,000 in 2028, $500,000 in 2029, and 2% annual increases thereafter. The cap applies per patient per incident and is determined by the date the claim was first filed (with the medical panel or in court), not the trial date. This directly affects patients filing medical malpractice claims and healthcare providers defending such cases.