Bill > H1413

This bill: - Establishes a 3-year statute of limitations for actions to collect medical debt for services provided by licensed healthcare facilities, with the limitation period running from the date the facility refers the debt to a third party for collection. - Provides personal property exemptions from legal process for medical debts, including up to $10,000 in value for a single motor vehicle and up to $10,000 in other personal property for debtors who do not claim a homestead exemption. - Requires licensed healthcare facilities to post a consumer-friendly list of standard charges for at least 300 shoppable healthcare services on their websites, and to provide good faith estimates of reasonably anticipated charges to patients and their insurers before providing non-emergency services. - Prohibits licensed facilities from engaging in certain "extraordinary collection actions" against patients, such as selling debt or reporting adverse information to credit agencies, before making reasonable efforts to determine the patient's eligibility for financial assistance, providing an itemized bill, and allowing the patient to initiate a grievance process. - Requires health insurers to provide "advanced explanations of benefits" to patients with details on coverage and cost-sharing, within set timeframes after receiving a patient estimate from a facility. - Specifies that shared savings incentives offered by health insurers and HMOs shall be counted as medical expenses for rate development and filing purposes.