Requires health insurers to pay or deny clean claims within 30 days. If a claim is incomplete, they must, within 14 days, say why or request needed info, then decide within 30 days after it’s supplied. Late payments accrue interest (higher after 60 days) and can trigger fines after 90 days. Insurers are responsible for vendors. Exceptions apply for fraud and disasters. This speeds provider payments, reduces billing delays for patients, and adds transparency. Starts in 2027.
