Insurance, Health, Accident - As introduced, requires health benefit plans entered into, amended, or renewed on or after January 1, 2027, to provide coverage for services related to acquired brain injury; requires the commissioner of commerce and insurance to promulgate rules to provide a process for an expedited appeal of an adverse determination related to such coverage. - Amends TCA Title 8; Title 56 and Title 71.

HB 1646 requires Tennessee health insurance plans to cover specific treatments for acquired brain injury (ABI) starting January 1, 2027. It mandates coverage for 15 evidence-based therapies - including cognitive rehabilitation, neurobehavioral therapy, community reintegration services, and vision therapy - without lifetime limits or unreasonable annual caps on sessions. The bill also directs the state insurance commissioner to create rules for an expedited appeal process if insurers deny coverage for these ABI-related services. This affects health insurers offering plans in Tennessee and directly benefits individuals with ABI who require these specialized treatments.