Insurance, Health, Accident - As introduced, enacts the "Stabilizing Healthcare Access with Reimbursement Protections (SHARP) Act." - Amends TCA Title 8 and Title 56.

SB 2036, the "Stabilizing Healthcare Access with Reimbursement Protections (SHARP) Act," requires most Tennessee health insurance companies to annually increase in-network reimbursement rates and annual benefit maximums for individual and group plans by at least the previous year's inflation rate (CPI-U), capped at 4%. It directly affects health insurers and in-network healthcare providers, excluding ERISA-covered plans, small plans (under 100 enrollees), Medicare Advantage, and TennCare. Insurers must file compliance documentation with the Insurance Commissioner by April 1 each year, with the commissioner prioritizing enforcement in areas with provider shortages. Optional catch-up adjustments for frozen rates (5+ years) are allowed up to 20%, with special consideration for rural and small providers.