health insurance claims; consumer assistance.

HB 2782 creates a state-run health insurance consumer assistance program to help Arizonans navigate claim denials, appeals, and enrollment issues. It requires health insurers to prominently display information about this program on all benefit explanations and denials, while mandating insurers to report data on denied claims to the state. Insurers that wrongfully deny or underpay valid claims face civil penalties (up to $25,000 per violation), double damages for consumers, and potential license suspension. The program also tracks claim issues, compiles annual public reports on denial rates, and requires insurers to disclose denial data upon request.