Idaho Bills

Adds to existing law to establish provisions regarding coverage of anticancer medications under health benefit plans.

The purpose of this legislation is to create co-insurance parity for cancer treatment patient cost regardless of treatment being intravenously administered, injected, or orally taken. The legislation directs the Department of Insurance to ensure state regulated health plans, when anti-cancer medication is covered by a health plan, to provide patients access to orally administered anti-cancer medications at a co-insurance rate no more than the cost to access injected or intravenously administered medication.

Adds to existing law to establish the Idaho Prior Authorization Reform Act.

RS33576 / H0841 This legislation establishes the Idaho Prior Authorization Reform Act to improve transparency, consistency, and timeliness in prior authorization processes used by health insurers and utilization review organizations. The bill requires insurers to publicly disclose prior authorization requirements and clinical criteria, implement standardized electronic prior authorization processes, and comply with defined timelines for standard and expedited determinations. The legislation establishes notification and appeal standards, requires appropriately qualified clinical reviewers, sets minimum validity periods for approvals, provides continuity of approvals when coverage changes, and prohibits improper revocation of prior authorizations. It establishes what entails a complete prior authorization submission. The bill further provides enforcement authority to the Department of Insurance, requires annual reporting of prior authorization data, establishes penalties for noncompliance, and addresses fraudulent prior authorization requests. The legislation is intended to reduce administrative burden, improve patient access to medically necessary care, and provide clear standards for prior authorization practices in Idaho.

Adds to existing law to establish provisions regarding transparency requirements for certain insurers.

This bill enhances transparency in homeowners’ insurance rate-setting and underwriting by requiring insurers to disclose wildfire risk models, scores, and justifications, and to make mitigation-related premium discounts publicly accessible. In response to rising premiums across the West attributed to wildfire risk, this legislation empowers consumers and communities with clear information about how risk is assessed and how specific property- and community-level mitigation actions can reduce both risk and cost. The bill also directs the Department of Insurance to collect Idaho-specific data and publish anonymized, aggregated insights to inform policymakers and the public, while protecting proprietary information. This bill promotes fair pricing, incentivizes mitigation, and strengthens market accountability.

Adds to exsiting law to establish the Idaho Prior Authorization Refom Act.

This legislation establishes the Idaho Prior Authorization Reform Act to improve transparency, consistency, and timeliness in prior authorization processes used by health insurers and utilization review organizations. The bill requires insurers to publicly disclose prior authorization requirements and clinical criteria, implement standardized electronic prior authorization processes, and comply with defined timelines for standard and expedited determinations. The legislation establishes notification and appeal standards, requires appropriately qualified clinical reviewers, sets minimum validity periods for approvals, provides continuity of approvals when coverage changes, and prohibits improper revocation of prior authorizations. The bill further provides enforcement authority to the Department of Insurance, requires annual reporting of prior authorization data, establishes penalties for noncompliance, and addresses fraudulent prior authorization requests. The legislation is intended to reduce administrative burden, improve patient access to medically necessary care, and provide clear standards for prior authorization practices in Idaho.

Adds to existing law to establish provisions regarding coverage of anticancer medications under health benefit plans.

The purpose of this legislation is to create co-insurance parity for cancer treatment patient cost regardless of treatment being intravenously administered, injected, or orally taken. The legislation directs the Department of Insurance to ensure state regulated health plans, when anti-cancer medication is covered by a health plan, to provide patients access to orally administered anti-cancer medications at a co-insurance rate no more than the cost to access injected or intravenously administered medication.

Adds to existing law to establish cost-sharing requirements for health benefit plans.

This legislation would require health insurance companies to apply toward its insured's copay, deductible, and out-of-pocket maximum those payments which are made by a third party for the benefit of the insured.

Amends, repeals, and adds to existing law to establish the Idaho Travel Insurance Act.

The purpose of this legislation is to establish a comprehensive regulatory framework for the sale and marketing of travel insurance in Idaho by adding Chapter 45, Title 41 of the Idaho code and amending Chapter 10, Title 41 of the Idaho code. Specifically, the legislation establishes uniform definitions of key terms and standards and allows travel protection products to continue to be offered in a manner that provides a seamless consumer experience and cost-saving efficiencies. It also clarifies permissible and prohibited sales practices and the applicability of Idaho’s unfair trade practices laws and requires important consumer disclosures. The legislation further provides that travel insurance may be sold via individual, group or blanket policies and codifies current practice with respect to premium taxes. Finally, it clarifies that travel insurance is generally classified and filed as an inland marine line of insurance. This legislation will ensure clarity and consistency is provided in the way travel insurance products are regulated.