Enhancing public safety and enforcement of crimes that impact insurance.

HB 2394 updates Washington's insurance fraud laws to better address modern schemes. It clarifies definitions of "insurer" to include health care service contractors and health maintenance organizations, and explicitly lists fraud types like submitting false medical bills, embezzling premiums, or misrepresenting insurance claims. The bill upgrades insurance fraud to a class B felony and requires restitution for insurers and victims. This directly affects insurers, consumers, and individuals committing fraud involving insurance claims or payments.