health insurance; requirements; essential benefits

SB 1771 requires all health insurers in Arizona selling individual plans, short-term insurance, or small employer group plans to cover essential health benefits (like hospital care, mental health services, prescriptions, and preventive care) without cost-sharing for recommended preventive services. It bans insurers from denying coverage or charging more based on health status or preexisting conditions, eliminates annual/lifetime dollar limits on essential benefits, and mandates coverage for adult children up to age 26. The bill directly affects Arizona health insurers, individuals purchasing coverage, and small employers offering group plans. It aims to expand access and affordability by standardizing coverage requirements and prohibiting discriminatory practices under state law.