This bill adds new sections to chapter 48.43 RCW (House Bill 2658, H-3116.1) and creates a new procedural reporting law requiring health carriers to submit standardized annual templates of coverage and access data to the insurance commissioner. The change is primarily procedural: it establishes reporting, public disclosure, record retention, and certification requirements rather than creating a new crime or altering criminal penalties. A severability clause is included. Carriers must annually submit carrier-level (and any subcarrier-level the commissioner specifies) completed templates for the prior calendar year no later than July 1. Reported metrics cover utilization review outcomes, out-of-network utilization, in-network reimbursement percentiles indexed to Medicare, counts of enrollees served, percentage of listed in-network providers relative to state-licensed providers, network admission times, psychiatric collaborative care model metrics, appeals and external review outcomes, and other commissioner-specified measures. Data must be broken out by facility type, professional provider type, youth (under 18) and adult (18 and older), and in-person versus telehealth. The commissioner must adopt uniform templates, definitions, audit procedures, and correction protocols; may refine diagnostic categories; require certifications signed by a carrier officer; and may adopt implementing rules. All reported data is not treated as proprietary or confidential (subject to CMS-style cell suppression for cells under 11), must be posted publicly within three months of receipt with downloadable raw data, and displayed in an interactive dashboard updated no later than nine months after receipt. Carriers must retain reported data and related records for three years. The reporting requirement applies to plans issued or renewed on or after January 1, 2027. The bill identifies affected parties (carriers, the commissioner, carrier officers, state-licensed providers, and public users) and references CMS cell suppression standards and certain external formats to consider. Several details are not provided in the extracted text: the specific identity or title of the "commissioner" is not stated, a statutory definition of "carrier" is not included, the exact new RCW section number is not specified, the precise templates and data field formats are to be set by the commissioner and are not included here, and no enforcement mechanisms, penalties, or compliance consequences for failure to submit data are described in the provided text.

If enacted, health insurance carriers will need to build processes to collect, validate, and annually submit detailed, carrierand subcarrier-level data on coverage, utilization reviews, inand out-of-network claims, reimbursement levels (indexed to Medicare), provider network counts and admission timelines, appeal outcomes, and pediatric versus adult and telehealth versus in-person breakdowns for mental health, substance use, and other medical services. Submissions for a calendar year must be made by July 1 of the next year, certified by a carrier CFO or designated officer, and carriers must retain the source records for three years; cells with fewer than 11 enrollees must be suppressed. This will likely increase carriers’ administrative costs and compliance work, create reputational risk because reported information is public (subject to suppression), and require carriers to respond to commissioner audits or requests for clarification. The insurance commissioner’s office will need staff time and technical capacity to adopt templates, rules, and audit procedures, to post raw data and downloadable files publicly within three months of receipt, and to maintain an interactive dashboard updated within nine months; researchers, consumers, and policymakers will gain more transparent, comparable metrics across carriers and services. Important details are not specified in the text provided: the bill does not identify which “commissioner” is responsible, it does not define “carrier” here, it does not include the exact reporting templates or enforcement penalties, and it refers to other statutes without including their definitions, so implementation scope and legal responsibilities could change based on those unresolved items.