TN HB2619

Creates the Tennessee Commission of Insurance Review, a 7-member body chaired by the Commissioner of Health, to review complaints and enforce new health insurance regulations, with authority to issue subpoenas, order remedial actions, and request Attorney General enforcement actions

Prohibits health insurers from using "downcoding" that prevents providers from collecting fees for actual services, and requires 60 days' notice plus negotiation opportunity before making material changes to fee schedules, reimbursement rules, or provider contracts

Requires human healthcare provider review of all insurance claim decisions made using artificial intelligence before determinations are sent to providers or patients

Bans health insurers from sending enrollee medical information outside the United States, using "lasering" (targeting high-cost individuals with higher deductibles) in stop-loss underwriting, and prohibits the same entity from owning both healthcare providers and insurance companies effective July 1, 2026

Mandates equal reimbursement rates for healthcare providers performing the same covered services regardless of licensure classification (e.g., cannot pay non-physician providers less than physicians for identical services within their scope of practice)