Requires health insurance carriers to provide adequate network of physicians.

New Jersey's A1873 requires health insurance carriers to ensure all covered residents can access sufficient in-network physicians within specific travel times: within a 20-minute drive or 10 miles (whichever is shorter) to three primary care physicians per specialty type, and within a 30-minute drive or 15 miles (whichever is shorter) to three office-based medical specialists per specialty. The bill mandates carriers to submit plain-language network descriptions to regulators annually, display these descriptions publicly on their websites, and establish a system for consumers to file network adequacy complaints. It explicitly states that telehealth services and non-physician providers (like nurse practitioners) cannot count toward meeting these geographic access requirements. This applies to all health insurance plans sold in New Jersey, including Medicaid managed care and self-funded employer plans that choose to comply.