CT LEG Revised Health Insurer Rules

Updated on: Jun 30, 2025

Latest Event


On Jun. 2, CT LEG passed bill revising health carrier requirements.

  • CT LEG passed SB 10 on health insurance requirements and patient protections.
  • Amends CT INS 700c-38a-477ee(c) (mental health, substance use disorder benefits, reports, more), CT INS 700c-38a-591c (utilization review criteria and procedures).
  • CT INS 700c-38a-591e (internal grievance process of adverse determinations, more), CT INS 700c-38a-510 , CT INS 700c-38a-544 (prescription drugs, step therapy).
  • CT INS 700c-38a-513 (policy forms approval, prescription drug rebates, more), CT LEG 698a-38a-183 , CT LEG 698a-38a-208, CT LEG 698a-38a-218 (rate approvals).
  • Bill Provisions
  • Requires health carriers to file mental health parity compliance certification; makes carrier compliance with parity public; authorizes civil penalties, late fees on carriers.
  • Prohibits carriers requiring step therapy for drugs used for multiple sclerosis, rheumatoid arthritis; removes sunsetting date for drugs used for certain conditions.
  • Allows insurance commissioner to reduce a carrier's individual or small employer group rates by up to 2% if carrier average approved rate increase exceeds a certain amount.
  • Imposing unilateral arbitrary limitations on reimbursement for general anesthesia prohibited; unfair trade practice for hospital, health system to violate facility fee limits.
  • Legislative History
  • On Apr. 2, 2025, bill introduced in Senate; on May 21, 2025, bill passed in Senate.
  • On May 23, 2025, bill introduced in House; on Jun. 2, 2025, bill passed in House.
  • Effectiveness
  • Sec. 1, 2, 4 effective Oct. 1, 2025; Sec. 3 effective immediately; Sec. 5-8, 10-19 effective Jan. 1, 2026; Sec. 9 effective Jul. 1, 2026.
  • Jun. 2025 CT LEG Governor Approval
  • On Jun. 24, 2025, CT LEG reported governor signed bill SB 10, Public act no. 25-94.
Regulators
CT LEG
Entity Types
Ins
Reference
Act 25-94, 6/24/2025; Bill SB00010, 6/2/2025; Citation: *CT INS* 700c-38a-477ee, 700c-38a-591c, 700c-38a-591e, 700c-38a-510, 700c-38a-544, 700c-38a-513; *CT LEG* 698a-38a-183, 698a-38a-208, 698a-38a-218;
Functions
Actuarial and Valuation; Claims/Accelerated Benefits; Compliance; Financial; Legal; Market Conduct; Product Administration
Countries
United States of America
Category
State
N/A
Products
Insurance; Insurance-Health
Rule Type
Final
Regions
Am
Rule Date
Jun 2, 2025
Effective Date
Oct 1, 2025
Rule ID
257085
Linked to
N/A
Reg. Last Update
Jun 24, 2025
Report Section
US Insurance