Insurance, Health, Accident - As introduced, requires Tennessee advisory commission on intergovernmental relations (TACIR) to conduct an evaluation examining the frequency at which health insurers deny healthcare claims or reimbursements for policyholders and healthcare providers and an evaluation of related data for the past five calendar years; requires TACIR to report its findings to the appropriate standing committees of the general assembly by January 15, 2026. - Amends TCA Title 4, Chapter 10 and Title 56.

HB 1223 requires Tennessee's advisory commission (TACIR) to study health insurers' claim denial practices over the past five years (2021-2025). The bill mandates TACIR to analyze how often insurers deny coverage or reimbursements, including denial rates by insurer, notification processes, appeal procedures, and recoupment practices. It specifically excludes TennCare and CoverKids programs from the study. TACIR must report its findings, including data on insurers with denial rates 10% above the average, to legislative committees by January 15, 2026. The bill does not change insurance rules but requires a data-driven review of current practices affecting policyholders and healthcare providers.