Promoting transparency and efficiency in health carrier relations with health care providers and facilities.

This bill requires Washington insurance companies (health carriers) to use a central database for provider credentialing applications, with strict deadlines: 30 days for final decisions by January 1, 2027. It mandates that insurers post all billing, coverage, and claims information - including prior authorization rules, payment policies, and medical necessity guidelines - on their websites without login requirements. The law directly affects insurance companies and healthcare providers by standardizing access to critical information needed for billing and patient care. It does not require insurers to approve providers or join networks, but ensures transparency in how coverage and claims are processed.