Insurance, Health, Accident - As introduced, prohibits a health insurance entity or TennCare MCO from including an all-products clause in a network participation agreement with a healthcare provider, and makes certain other changes related to MCO network adequacy. - Amends TCA Title 56 and Title 71.

HB 651 prohibits health insurance companies and TennCare managed care organizations (MCOs) from including "all-products clauses" in contracts with healthcare providers. These clauses would force providers (like doctors, nurses, and physician assistants) to join multiple networks or offer services under other plans from the same insurer as a condition of participation. The bill makes such clauses void and imposes a $10,000 civil penalty per violation on insurers. It requires the insurance commissioner to create rules by July 2026 to enforce this prohibition, directly affecting provider contracts and network access.