Health Insurance - Plan Benefits and Coverage - Annual Reporting (Transparency, Reporting, Understanding, Timeliness, and Honesty (TRUTH) in Mental Health Coverage Act)

SB 774, the "TRUTH in Mental Health Coverage Act," requires Maryland health insurance carriers to annually report detailed claims data on mental health and substance use coverage starting in 2028. This affects all insurers offering health benefit plans in Maryland, mandating they submit standardized data on access, network availability, and coverage for services like outpatient care, telehealth, and youth/adult services. The report must include breakdowns by facility type, provider specialty, service format, and geographic area. The Maryland Insurance Commissioner will make this data publicly available through a website and interactive dashboards to improve transparency for consumers.