AZ SB1159

Requires health insurers to establish savings incentive programs for enrollees who obtain covered health care services at prices below the insurer's usual reimbursement (changing from optional "may" to mandatory "shall").

Mandates that eligible enrollees receive reimbursement of 50% of the difference between the price paid and the insurer's usual reimbursement (previously allowed only "a portion" without specifying an amount).

Allows insurers to reimburse enrollees through deposits into health savings accounts, 530A accounts, or cash payments.

Permits enrollees to have amounts paid for lower-cost services applied toward their deductible and out-of-pocket maximum.

Defines key terms including "health care facility" (hospitals, outpatient surgical centers, laboratories, diagnostic imaging centers, urgent care centers) and "usual reimbursement" (the amount insurers would ordinarily pay in-network providers).