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

SB 263 requires most health insurance plans in the state to cover mobile mental health crisis response and stabilization services for children and teens under 18. These services, delivered by certified providers, address acute issues like self-harm, suicidal thoughts, or severe anxiety through immediate on-site support and follow-up care. The coverage mandate applies to individual/group health, hospital, and medical expense insurance policies issued or renewed on or after January 1, 2026, but excludes policies like accident-only, Medicare supplements, or limited-benefit plans. Insurers must cover these services without delaying access through utilization review processes.