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.

SB 1134 requires Tennessee’s Advisory Commission on Intergovernmental Relations (TACIR) to study how health insurers handle claim denials and reimbursements. TACIR must analyze insurer processes for approving/denying claims, notifying policyholders, appeals, and recoupment, while tracking denial rates for 2021-2025. The study will identify insurers with unusually high denial rates (10%+ above average) and exclude TennCare/CoverKids programs. TACIR must report findings to legislative committees by January 15, 2026, including any proposed policy changes. This bill directly affects health insurers (through data reporting) and state lawmakers (via the study’s recommendations).