Health insurers; require to use certain standard for hospital inpatient admissions.

HB 422 requires health insurers operating in Mississippi to use the same standard as Medicare Part A for deciding if a hospital stay is medically necessary - known as the "Two-Midnight Rule." This means insurers must follow Medicare’s criteria, which typically requires a patient to be expected to stay past two midnights for an inpatient admission to be covered. The law applies to all insurers authorized by the Mississippi Insurance Department and takes effect July 1, 2025. It aims to create consistency for hospitals, insurers, and patients in coverage decisions.