Relates to requiring health insurers to offer coverage of health care provided by out-of-network providers

This bill requires health insurers to offer out-of-network coverage as an optional add-on to policies and provide at least one standard plan that includes this coverage. It directly affects health insurers and their policyholders by expanding access to care from doctors or facilities outside an insurer's approved network. Key provisions mandate that insurers make these options available both inside and outside the state's health insurance marketplace. The law applies to all new health insurance policies issued after its effective date, ensuring coverage choices for consumers seeking out-of-network care.