Insurance and Real Estate

HB 5373 updates Connecticut's insurance laws to modernize service of legal documents and license notices. It requires that service of process (like court documents) be delivered to the Insurance Department and simultaneously sent via email to the recipient's last-known address, with a 45-day waiting period before a default judgment can be entered. The bill also allows the Insurance Department to send license suspension or revocation notices via email to designated contacts, with notice deemed received upon actual receipt or seven days after sending. Additionally, it clarifies that revoking a business's insurance license may automatically revoke the licenses of its principals or officers unless the commissioner determines they were not personally at fault.

HB 5374 requires individual health insurance policies in Connecticut that cover chemotherapy to also provide coverage for scalp cooling systems used to prevent hair loss during treatment. This applies to policies delivered, renewed, or continued on or after January 1, 2027, and mandates coverage "at least equivalent to such coverage provided under Medicare." The bill specifically targets policies covering certain chemotherapy-related treatments, directly affecting patients receiving chemotherapy who may use scalp cooling systems. It does not apply to group plans or other insurance types, focusing solely on individual health insurance policies meeting the specified coverage criteria.

HB 5265 requires common interest communities (like homeowner associations) to allow financial audits under specific conditions. It permits groups owning at least 20% of voting rights to petition a court for an audit if they provide a certified public accountant's opinion indicating potential financial fraud, along with proof of ownership and confirmation no recent audit occurred. The petitioning group must cover all audit costs, though the association may charge a reasonable fee for providing records. The bill also updates property disclosure forms to include new questions about flood zones, historic districts, HOA dues, and reserve funds for buyers. These changes take effect October 1, 2026.

HB 5375 transfers public health program funding from the Insurance Fund to the General Fund over five years (starting July 1, 2026), replacing the previous fee structure. It requires domestic insurers and health care centers providing specific health insurance types to pay an annual public health fee based on their enrolled lives in Connecticut, calculated to fund designated programs. These programs include syringe services, AIDS services, breast/cervical cancer detection, tuberculosis care, and children's health initiatives. The fee amount is determined annually by the Insurance Commissioner using a formula based on the total funding needed and the reported number of covered lives. The bill repeals the existing fee statute (Section 19a-7p) and establishes new reporting and payment requirements for insurers.

HB 5377 modifies health insurance billing rules to protect providers and improve transparency. It shortens the timeframe insurers can demand repayment for claims from 18 to 15 months after a clean claim is submitted (except for fraud, billing errors, duplicate payments, or federal program overlaps), requires insurers to provide 30 days' notice and an electronic appeal process for repayment demands, and mandates off-site hospital facilities to submit their unique national provider identifier (NPI) and tax ID on all claims. These changes directly affect health insurers, healthcare providers, and off-site hospital facilities, ensuring clearer billing requirements and reducing disputes over claim payments. The bill takes effect October 1, 2026, for the NPI requirement and January 1, 2027, for the repayment timeline changes.