This bill adds a new section to chapter 48.43 RCW creating detailed annual reporting requirements for health insurance carriers. It is a procedural change that requires each carrier to submit commissioner-prescribed templates by July 1 each year with carrier-level (and any commissioner-specified subcarrier-level) data for the prior calendar year on coverage and access by facility type and professional provider type for mental health disorder services, substance use disorder services, and other medical and surgical services, with separate and combined youth/adult and in-person/telehealth breakdowns. The data elements specified include utilization review outcomes, inand out-of-network usage and allowed-claim amounts, provider counts and network admission timing, certain collaborative care metrics, appeals and external review counts and outcomes, and any additional metrics the commissioner requires. Any data cell with fewer than 11 enrollees must be suppressed consistent with federal CMS standards. The commissioner is directed to adopt uniform templates, definitions, audit procedures, and correction protocols, may adopt implementing rules, and must post all reported underlying data and downloadable files on a public website no later than three months after receipt. The commissioner must also maintain an interactive public dashboard that visually presents the posted data (including separate youth and adult views) and update it no later than nine months after receipt. Carriers must certify the completeness and accuracy of submissions (in a form specified by the commissioner), retain reported data for three years, and make records available to the commissioner on request. The reporting section applies to health plans issued or renewed on or after January 1, 2027. The change creates a new regulatory reporting procedure rather than a new crime or penalty provision; the extracted text does not specify enforcement mechanisms, penalties for noncompliance, the statutory identity of "the commissioner," or definitions of "carrier" and "subcarrier level." The bill references RCW 48.43.766 for certain service definitions, but that statute’s full text and some commissioner-specific implementation details are not included in the extracted facts.

If enacted, health insurers will have to annually gather and submit detailed, standardized data about who is getting mental health, substance use, and other medical services, where those services are delivered, and how often care requests are approved or denied. Reports must break out youth vs. adult and in-person vs. telehealth care, include measures like out-of-network use and average reimbursements, be certified by a senior officer, be kept for three years, and will be published on a public website and in an interactive dashboard within months of submission. Insurers will face new administrative costs, potential audits, and reputational risk from publicly visible performance and network information, while patients, providers, employers, and regulators will gain more comparable, searchable information about access and coverage. Key details remain open and will affect how big those burdens and benefits are: the bill does not define "carrier" or "subcarrier," does not specify the geographic levels or some exact data elements, and does not spell out enforcement or penalties, so the commissioner’s forthcoming templates and rules will determine many practical implementation choices.