MD HB1157

Health insurance carriers in Maryland must submit annual claims data to the Insurance Commissioner by March 1 each year, beginning in 2028, covering mental health, substance use, and medical/surgical services broken down by facility type, provider type, age group, and geographic area

Required data includes network accuracy and availability, network size relative to state-licensed providers, in-network reimbursement levels compared to external benchmarks, out-of-network utilization rates, and access to evidence-based behavioral health care models

The Insurance Commissioner must develop a uniform reporting template and publish the data within 3 months on an interactive public dashboard that allows comparisons between plans, carriers, and plan levels, with separate displays for adults and individuals under 18

Carriers' chief financial officers must certify under penalty of perjury that submitted data is complete and accurate; failure to submit timely, complete, or accurate data constitutes an unfair or deceptive practice and may result in Attorney General referral

The Commissioner may establish regulatory fees on carriers to cover implementation costs, with funds deposited into the Insurance Regulation Fund; the Act takes effect January 1, 2027