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

HB 7943 prohibits health insurers from requiring preauthorization for in-network mental health or substance use disorder services, directly affecting insured patients seeking these treatments within their plan's network. The bill mandates that coverage for mental health and substance use disorders must meet the same terms as medical care, eliminating annual/lifetime dollar limits and ensuring cost-sharing parity with primary care visits. Key provisions include banning non-quantitative treatment restrictions that are stricter than those for medical conditions and requiring insurers to use American Society of Addiction Medicine criteria for substance use disorder coverage. The law takes effect January 1, 2027, and applies specifically to in-network services as defined in the bill.