Relating to arbitration of certain out-of-network health benefit claims.

SB 2805 modifies how billing disputes for out-of-network health services are resolved through arbitration. It requires the losing party in an arbitration case (not split evenly) to pay the arbitrator’s fees and expenses within 30 days of the decision. The bill specifically applies to diagnostic imaging, emergency care, facility-based, and laboratory services provided by out-of-network providers - defined as those not contracted with a health plan. These changes take effect for services on or after January 1, 2026, with prior services governed by existing law. The bill does not alter health plan coverage but changes the financial responsibility for dispute resolution.