Generally revise health insurance laws relating to health utilization review

HB 544 revises health insurance laws, affecting health insurance issuers, covered individuals, and state employees/retirees. It prohibits health insurance issuers from retroactively denying coverage for services that received prior approval, with exceptions for fraud or misrepresentation. The bill also allows biologic therapies to be prescribed to minors under 18, even if FDA-approved only for adults, provided the treatment is medically necessary and supported by peer-reviewed medical literature. Furthermore, it amends provisions for state insurance contracts, detailing conditions under which certain state employees, retirees, and their families, as well as legislators and judges, can continue membership in state group health plans.