Establishes "Fair Access to Health Care Networks Act;" appropriates $2 million.

The "Fair Access to Health Care Networks Act" requires New Jersey health insurance carriers to include any State-licensed health care provider - such as ambulatory surgical centers, diagnostic labs, imaging centers, and private practices - in their networks upon application. Carriers must reimburse these providers at a minimum of 200% of Medicare rates for equivalent services (unless the provider agrees to a lower rate) and cannot exclude them based on size, ownership, or hospital affiliation. If a carrier fails to respond to an inclusion request within 90 days, the provider is automatically provisionally included. The Department of Banking and Insurance will enforce the law, imposing civil penalties of up to $25,000 per violation, with $2 million allocated for administration.