HI SB387

Establishes new network access and adequacy standards for health carriers offering fully insured network plans in Hawaii, requiring maintenance of a sufficient provider network with appropriate types of providers to ensure accessible coverage without unreasonable travel or delay.

Requires health carriers to file access plans with the insurance commissioner describing network composition, provider selection criteria, continuity of care procedures, and methods for informing covered persons of plan features and grievance procedures.

Mandates provider contracts include hold harmless provisions protecting covered persons from balance billing and continue covering services for patients in active treatment if the carrier becomes insolvent; requires carriers to provide continuity of care for up to 90 days when providers leave networks.

Requires health carriers to maintain current, searchable electronic provider directories updated monthly and accessible to the public without account login, including provider specialty, contact information, languages spoken, and whether accepting new patients.

Repeals Chapter 432F and applies to plan filings for 2018 plan years commencing on or after January 1, 2019, with existing contracts required to comply within 18 months of the July 1, 2017 effective date.