Requires health insurance carriers to provide adequate network of physicians.

This bill requires New Jersey health insurance companies (carriers) to maintain networks with sufficient physicians so that all plan members can access care within reasonable distance and time. Specifically, it mandates that 100% of members live within 20 minutes or 10 miles (whichever is less) of at least three primary care physicians per specialty, and within 30 minutes or 15 miles for specialists. The law also sets access timelines (e.g., emergency care triaged within 1 hour, routine appointments within 2 weeks) and prohibits counting telehealth or non-physician providers toward network adequacy requirements. Carriers must publicly display plain-language network descriptions and face penalties for noncompliance, with patients able to file complaints about network access.