Making improvements to transparency and accountability in the prior authorization determination process.
SB 5395 requires health insurance carriers in Washington to improve transparency in prior authorization decisions for medical treatments and prescriptions. It sets strict time limits: carriers must decide on electronic standard requests within 3 days and expedited requests within 1 day, with clear communication if more information is needed. The bill mandates that denials include the credentials of the reviewing provider and requires carriers to use evidence-based clinical criteria that are updated annually and accessible in plain language. These rules directly affect insurance companies, doctors, and patients by making coverage decisions faster and more transparent.
Bill status
signed
all 5 stages cleared
Introduction
Jan 2026
Committee Review
Mar 2026
Senate Passage
Mar 2026
House Passage
Mar 2026
Signed into Law
Mar 2026
Introduced Jan 12, 2026
Signed Mar 23, 2026
Maddy AI version diff · 4 comparisons
What changed between versions
Engrossed Second Substitute Bill
→
Second Substitute Passed Legislature
·
5 edits
MODERATE
The bill was amended to add new sections addressing artificial intelligence in prior authorization and to correct errors in the list of amended statutes. Key substantive changes include extending the expiration date for certain provisions from 2027 to 2026, adding a requirement for carriers to report the percentage of AI-aided denials, and clarifying that independent review organizations must follow specific mental health review standards.
Scope change
The bill's scope was expanded to explicitly address the use of artificial intelligence in prior authorization decisions and to require specific reporting on AI usage by health carriers.
TIMELINE
The expiration date for Sections 2 and 6 of the act was changed from January 1, 2027, to January 1, 2026.
The effective date for Sections 3 and 7 of the act was changed from January 1, 2027, to January 1, 2026.
REQUIREMENT
Health carriers must now report the percentage of prior authorization denials that were aided by artificial intelligence.
Independent review organizations conducting external reviews for mental health and substance use disorder services must follow the specific requirements of RCW 48.43.766.
TECHNICAL
The list of amended RCW sections was updated to include 48.43.535 and correct the citation for the reporting section from 2023 c 382 s 4 to 2025 c 227 s 6.
Floor votes · Senate Feb 11, 2026 · House Mar 4, 2026
How they voted
50–1
Passed
Total votes 51
Feb 11, 2026
D
Democratic31
100% Yea
R
Republican20
95% Yea
Vote distribution
All Yea
All Nay
Mixed
No data
Full legislative history
Actions timeline
Total actions
42
Key actions
22
Committee
19
Mar 23, 2026
Signed into law
Governor signed.
executive
Mar 11, 2026
Lower · Passed
Speaker signed.
lower
Mar 10, 2026
Upper · Passed
President signed.
upper
Mar 9, 2026
Upper · Passed
Passed final passage; yeas, 49; nays, 0; absent, 0; excused, 0.
upper
Mar 9, 2026
Upper · Passed
Senate concurred in House amendments.
upper
Mar 4, 2026
Lower · Passed
Committee amendment(s) adopted with no other amendments.
lower
Mar 4, 2026
House · Passed
House Vote: pass (96-0-4)
house
Mar 2, 2026
Committee
Referred to Rules 2 Review.
lower
Mar 2, 2026
Lower · Passed
APP - Majority; do pass with amendment(s) but without amendment(s) by Health Care & Wellness.
lower
Mar 2, 2026
Lower · Passed
Executive action taken in the House Committee on Appropriations at 10:30 AM.
lower
Feb 27, 2026
Lower · Passed
Public hearing in the House Committee on Appropriations at 10:30 AM.
lower
Feb 25, 2026
Committee
Referred to Appropriations.
lower
Feb 25, 2026
Lower · Passed
Minority; without recommendation.
lower
Feb 25, 2026
Lower · Passed
HCW - Majority; do pass with amendment(s).
lower
Feb 25, 2026
Lower · Passed
Executive action taken in the House Committee on Health Care & Wellness at 1:30 PM.
lower
Feb 18, 2026
Lower · Passed
Public hearing in the House Committee on Health Care & Wellness at 1:30 PM.
lower
Feb 11, 2026
Upper · Passed
Floor amendment(s) adopted.
upper
Jan 27, 2026
Upper · Passed
Minority; without recommendation.
upper
Jan 27, 2026
Upper · Passed
Executive action taken in the Senate Committee on Ways & Means at 4:00 PM.
upper
Jan 12, 2026
Introduced
By resolution, reintroduced and retained in present status.
upper
Feb 28, 2025
Upper · Passed
Executive session scheduled, but no action was taken in the Senate Committee on Ways & Means at 1:30 PM.
upper
Feb 26, 2025
Upper · Passed
Public hearing in the Senate Committee on Ways & Means at 1:30 PM.
upper
Feb 21, 2025
Committee
Referred to Ways & Means.
upper
Feb 21, 2025
Upper · Passed
Minority; without recommendation.
upper
Feb 21, 2025
Committee
And refer to Ways & Means.
upper
Feb 21, 2025
Upper · Passed
Executive action taken in the Senate Committee on Health & Long-Term Care at 8:00 AM.
upper
Feb 7, 2025
Upper · Passed
Public hearing in the Senate Committee on Health & Long-Term Care at 8:00 AM.
upper
1 primary · 5 co-sponsors
Sponsors
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