Insurance; chronic conditions; validity period; prior authorization; inpatient; non-inpatient; timeframe; effective date.

Header and formatting changed from 'Enrolled House' to 'House of Representatives - Floor Version' with line numbers added throughout the document.

The act title section was restructured with line breaks and spacing adjustments while keeping the same legislative intent.

Page headers and committee report sections were added to indicate this is a floor version with committee amendments noted.

Non-inpatient prior authorization for chronic conditions must remain valid for at least 6 months from when the provider receives approval, with clearer language about clinical criteria changes.

Inpatient acute care prior authorization validity reduced from 14 days to 14 calendar days with more specific language about when the clock starts.

Health benefit plans must continue paying contracted rates for inpatient care if utilization review entities fail to respond to timely continuation requests before approved stays end.

Plans must continue paying contracted rates for inpatient care during appeals of adverse determination decisions.

Added clarification that coverage exclusions don't apply to care deemed medically necessary for chronic conditions.

Bill effective date set to November 1, 2025.

Added signature lines and certification blocks for House and Senate Presiding Officers, Governor approval, and Secretary of State receipt to finalize the bill for enactment.

Added Section 2 clarifying that the act does not require health benefit plans to cover care for conditions that are otherwise completely excluded from policy benefits, regardless of medical necessity.

The effective date was explicitly set as November 1, 2025, in the final enrolled version.