This bill establishes comprehensive health insurance reforms aimed at protecting patients and improving healthcare accessibility. It introduces several key provisions, including requiring health carriers to annually certify their compliance with mental health and substance use disorder benefit reporting requirements, and creating a new “parity advancement account” to support mental health parity enforcement. The bill establishes new rules for utilization reviews, including a rebuttable presumption that health care services are medically necessary if ordered by a healthcare professional, and prohibits the use of artificial intelligence in making medical necessity determinations. It also restricts step therapy practices for prescription drugs, limiting the duration and circumstances under which insurers can require patients to try alternative medications before covering prescribed treatments. Additionally, the bill implements new rate filing requirements for health insurance policies, mandating that rates be filed 120 days before implementation and be subject to public hearings and detailed review to ensure they are not excessive, inadequate, or unaffordable. The legislation further prohibits arbitrary time limits on reimbursement for general anesthesia and medically necessary ancillary services, and requires health carriers to use equal reimbursement rates for healthcare providers in the same geographic region. These reforms are designed to increase transparency, protect patient access to care, and prevent discriminatory insurance practices.