Revising unfair trade practices and consumer protections in health care contracts

This bill bans specific restrictive clauses in healthcare contracts between insurers and providers, such as "gag clauses" that hide pricing information and "anti-steering clauses" that prevent insurers from directing patients to better options. It directly affects healthcare providers (hospitals, clinics, and insurers) by prohibiting terms that limit provider flexibility or patient choice. Key provisions include banning "all-or-nothing" clauses requiring full network inclusion and "most-favored-nations" clauses that prevent providers from offering lower prices elsewhere. Enforcement is assigned to Montana’s Department of Justice and Insurance Commissioner. The bill aims to increase transparency and competition in healthcare pricing and service access.