An act relating to insurance and confidentiality for adult dependents

This bill would prevent health insurers from listing specific mental health or substance use treatment services on explanation of benefits forms for adult dependents. It directly affects young adults aged 18 to 26 who are covered under their parents' health insurance plans and are unmarried with no dependents of their own. The law requires the Department of Financial Regulation to define which services count as mental health or substance use treatment, while consulting with health and mental health experts. The bill also clarifies that "adult dependent" includes full-time students at out-of-state colleges and those living in Vermont. These changes would take effect immediately upon passage.