WA SB5845

Health carriers must pay or deny clean claims within 30 days of receipt; for claims requiring additional information, carriers must notify providers within 14 days specifying what documentation is needed

Carriers failing to meet payment timelines must pay interest at 1% per month for days 1-60 and 1.5% per month after day 61, with interest paid by the carrier and not applied to patient cost-sharing

Claims unresolved for more than 90 days subject carriers to administrative penalties determined by the insurance commissioner

Requirements do not apply to claims involving substantial evidence of fraud, or when compliance failures result from acts of God, bankruptcy, government emergency responses, or labor disputes

Applies to health plans filed or renewed on or after January 1, 2027, and extends these requirements to public employee health plans under RCW 41.05.017