Requires collection of data by health insurers regarding health insurance claims and decisions made using automated utilization management systems.

S 3298 requires New Jersey health insurers to collect and publicly report detailed data on health insurance claims, particularly those processed by automated systems, including denial rates, appeal outcomes, and frequently denied medical specialties. Insurers must submit annual reports to the state, and if they unjustly deny 20% or more of claims, they must refund the patient's cost for those denied services. The bill also mandates that all claims be reviewed by a medical director, requires insurers to disclose claim rejection rates and automated system usage on their websites, and allows state audits of insurer systems. This affects patients (covered individuals) and insurers operating in New Jersey by increasing transparency and accountability in claim decisions.