AN ACT RELATING TO INSURANCE -- ACCIDENT AND SICKNESS INSURANCE POLICIES

HB 6118 requires most health insurance plans in the state to cover mobile response and stabilization services for children and youth under 18 experiencing acute mental health crises, such as aggression, self-injury, or suicidal thoughts. The bill mandates coverage for certified providers delivering immediate crisis intervention, assessment, and follow-up care, effective for policies issued or renewed on or after January 1, 2026. It excludes certain policies like accident-only, Medicare supplements, and limited-benefit plans. This policy change directly affects insurers, certified behavioral health providers, and young people enrolled in covered health plans.