Commerce and Insurance, Dept. of - As enacted, directs the commissioner to use existing resources to study recent innovations by neighboring states to address substance use disorder through new health insurance coverage and reimbursement methods, strategies, or models; requires the commissioner to compile the findings and any recommendations from the study into a report for transmission to the general assembly no later than December 31, 2026. - Amends TCA Title 8; Title 33; Title 56 and Title 71.

SB 1803 directs Tennessee's Commissioner of Commerce and Insurance to study how neighboring states are using new insurance models to cover substance use treatment. The commissioner must use existing resources to examine these approaches and compile findings into a report by December 31, 2026. The report will include any recommendations for potential changes to Tennessee's insurance coverage policies. This bill does not create new laws or funding - it only requires a study and report to inform future legislative decisions.