AN ACT RELATING TO INSURANCE -- INSURANCE COVERAGE FOR MENTAL ILLNESS AND SUBSTANCE USE DISORDERS

HB 5432 prohibits health insurance providers from requiring preauthorization for in-network mental health or substance use disorder services. This directly affects patients seeking these treatments and insurers who must comply with the new rule. The key provision removes a common administrative barrier, allowing patients to access covered in-network care without prior insurer approval. The law takes effect January 1, 2026, and aligns with existing parity requirements for mental health coverage.