Relating to: coverage of treatment for mental health or substance use disorders under health insurance policies and plans.

AB 338 requires most health insurance plans (including those offered by state/local governments) to cover at least 28 annual therapy visits for mental health or substance use disorders without prior authorization. It mandates that insurers provide this minimum coverage per policy year, based on the insured's treatment goals. The law includes a cost-check mechanism: if insurers' actuarial analysis shows coverage would increase plan costs by over 10%, enforcement may be paused. This directly affects health insurers, self-insured public employer plans, and individuals seeking mental health/substance use treatment. The bill takes effect for new policy years starting after its publication date.