Healthcare (Insurance)

HB 280 codifies Maryland’s health insurance requirements for mental health and substance use disorder coverage to align with federal parity laws. It requires health insurers to collect and report data on access to these services, explain differences in coverage rules, and comply with federal standards for equal treatment. The Maryland Insurance Commissioner will review insurer reports and address noncompliance. This bill directly affects health insurance companies and their policyholders seeking mental health or substance use disorder care.

HB 633 requires Maryland health insurers, nonprofit health plans, and health maintenance organizations to cover salpingectomy (surgical removal of fallopian tubes) as a preventive measure for ovarian cancer. It prohibits these insurers from charging copayments, coinsurance, or deductibles for this specific procedure, ensuring no out-of-pocket costs for covered individuals. The exception applies only to high-deductible health plans under federal law, allowing the deductible to apply to the procedure in those cases. This law directly affects women eligible for preventive care and the health insurance providers operating in Maryland.

HB 494 requires health insurance companies, nonprofit health service plans, and health maintenance organizations (HMOs) operating in Maryland to structure their reimbursements to primary care providers in a way that meets annual investment targets set by the state. Starting February 1, 2026, these entities must report their progress toward meeting these targets when filing new or updated premium rates with the Maryland Insurance Commissioner. The bill amends insurance code sections to mandate this reporting requirement as part of premium rate filings. It takes effect October 1, 2026, focusing on transparency and accountability for primary care funding.