HI SB2282

Establishes a Prior Authorization Committee within the insurance division, consisting of 7 voting members (insurance commissioner as chair, plus 2 insurer representatives, 2 insured representatives, and 2 health care provider representatives appointed by the governor).

Creates a list of medical conditions exempt from prior authorization requirements, to be published annually by October 1 and effective January 1 of the following year.

Requires insurers to decide urgent prior authorization requests within 24 hours and non-urgent requests within 7 calendar days; failure to respond within required timeframes results in automatic approval.

Mandates that prior authorizations remain valid for the duration of treatment or 90 days (whichever is longer) and prohibits retroactive denial of previously authorized services except for fraud, misrepresentation, or policy non-compliance.

Requires insurers to submit quarterly reports on authorization volume, approval/denial rates, and response times, with violations subject to license suspension/revocation and public disclosure of penalties.