Justice for Patients Act

HR 7641, the Justice for Patients Act, prohibits health insurance plans and issuers from requiring patients to use pre-dispute arbitration or blocking class-action lawsuits for coverage-related claims. It directly affects all patients with group or individual health insurance plans and the insurance companies offering those plans. The bill bans two specific contract terms: mandatory arbitration clauses for health coverage disputes and limitations on class actions for plan administration issues. If enacted, these provisions would be unenforceable under federal law, ensuring patients retain their right to pursue legal action in court.