Proposed bill could limit insurance coverage for mental health and substance abuse
LITTLE ROCK, Ark. (KNWA/KFTA) — A proposed bill could eliminate coverage mandates for mental health and substance abuse treatments under employer-provided insurance in Arkansas.
HB 1420 was introduced in the Arkansas House on Feb. 5 by State Rep. Trey Steimel (R-Pocahontas) and co-sponsored by State Rep. Justin Boyd (R-Fort Smith).
The bill would repeal requirements for insurers to cover drug, alcohol and mental health treatments, as well as certain rehabilitation services. It would also end funding for the Comprehensive Health Insurance Pool (CHIP) and reduce state oversight of mental health coverage.
If HB1420 passes, insurance providers would no longer be required to offer or make alcohol or drug dependency treatments under employer-provided insurance.
Currently, Arkansas Code § 23-79-139 requires insurers, hospitals, medical service corporations, and health maintenance organizations to provide coverage for the treatment of alcohol and drug dependency.
If repealed, it would:
Remove mandated coverage for services under the Comprehensive Health Insurance Pool (CHIP).
Eliminate state-established requirements for the coverage of hospital care and prescription drugs.
Discontinue funding for the Comprehensive Health Insurance Pool (CHIP).
End enrollment procedures and eligibility criteria for CHIP.
Terminate the requirement for the state to provide access to CHIP for eligible individuals.
Free school breakfast bill advances in Arkansas legislature
CHIP (Comprehensive Health Insurance Pool) in Arkansas provides health insurance for people with pre-existing conditions who have been uninsured for at least six months.
It operates alongside the federal Pre-existing Condition Insurance Plan (PCIP) and is funded by federal money. The program offers lower premiums and is available to about 2,500 people in the state.
CHIP in Arkansas is funded through premium taxes and assessments levied on insurance providers.
Arkansas Code § 23-86-113 currently mandates minimum mental health benefits for group accident and health insurance policies or subscriber's contracts. If repealed:
Remove the requirement for group insurance policies to provide inpatient, partial hospitalization or outpatient benefits for mental illness.
Eliminate the obligation for insurers to cover services from hospitals, psychiatric hospitals, outpatient psychiatric centers, physicians, psychologists or community mental health centers for mental illness.
Repeal rules preventing insurers from imposing limits on deductibles, lifetime maximum payments or payment limits for smaller employers (50 or fewer employees).
Remove restrictions on the disclosure of mental health information without written consent, except in certain circumstances such as litigation, reinsurance or underwriting.
Eliminate the requirement for insurers to provide more extensive mental health coverage than the minimum required.
Repeal the mandate for insurers to offer coverage for services rendered by licensed professional counselors in employer-provided insurance.
Additional Arkansas constitutional amendments filed in legislature
Arkansas Code § 23-99-508 currently allows healthcare insurers to provide optional coverage for health services used in the treatment of mental illnesses. If repealed, it would:
Remove provisions allowing insurers to cover services like intensive case management, community residential treatment programs, or social rehabilitation programs.
Repeal the allowance for healthcare insurers to provide coverage for physical rehabilitation or durable medical equipment not generally used in the treatment of serious mental illnesses.
Eliminate the provision permitting healthcare insurers to use common utilization management protocols, such as preadmission screening or prior authorization, for mental illness services.
Remove the option for healthcare insurers to comply with the terms of this subchapter for educational remediation regarding mental illness treatment.
Under MHPAEA, insurers must provide mental health and substance use disorder benefits on par with medical benefits, with no more restrictive financial or treatment limits. They must also document non-quantitative treatment limitations.
The Affordable Care Act mandates these services as essential benefits in individual and small-group plans.
Read the full proposed bill below:
FTPDocumentDownload
The bill's status is 'Read the first time, rules suspended, read the second time and referred to the Committee on INSURANCE & COMMERCE- HOUSE' as of Feb. 12.
Copyright 2025 Nexstar Media, Inc. All rights reserved. This material may not be published, broadcast, rewritten, or redistributed.
Hashtags

Try Our AI Features
Explore what Daily8 AI can do for you:
Comments
No comments yet...
Related Articles
Yahoo
2 days ago
- Yahoo
Federal cuts force families to make difficult, and potentially deadly, choices
A mother rushes into the emergency department cradling her 6-month-old baby. He is lethargic, seizing and in critical condition. The cause? Severely low sodium levels in his blood — a result of formula diluted with extra water to make it last longer. With grocery prices climbing and her SNAP benefits running out before the end of the month, she felt she had no other choice. This story is not an outlier. Pediatric clinicians across Wisconsin are seeing the real and devastating consequences of policies that fail to prioritize the health and well-being of children and families. And now, the situation could get worse. The Trump Administration's proposed 'skinny' budget for Fiscal Year 2026 includes deep and dangerous cuts to federal programs that form the backbone of public health in our communities. These proposed reductions include: $18 billion from the National Institutes of Health – stalling critical pediatric research and innovation $3.5 billion from the Centers for Disease Control and Prevention – compromising disease surveillance, immunization programs, and emergency response efforts $1.73 billion from the Health Resources and Services Administration – cutting access to essential primary and preventive care services for children and families $674 million from the Centers for Medicare & Medicaid Services – threatening the Medicaid and CHIP programs that provide health coverage to nearly half of Wisconsin's children. Opinion: We asked readers about wake boats on Wisconsin lakes. Here's what you said. And as if that weren't enough, further reductions to SNAP and other nutrition support programs are also on the table. These aren't just numbers on a spreadsheet. These are lifelines. Vital services that help children survive and thrive. When families can't afford formula, when clinics lose funding for immunization programs, when children lose health coverage, the consequences are immediate and, in many cases, irreversible. As front-line providers, we witness this every day. We can do better. Our federal budget is a reflection of our national values. It should not balance its books on the backs of our youngest and most vulnerable. I implore Wisconsin's elected officials to reject this harmful budget proposal. Think of that infant in the emergency room. Think of the thousands of other children across our state whose health and future depend on robust public health infrastructure, access to care, and support for families in need. We urge lawmakers to work toward a bipartisan budget that invests in children, strengthens public health, and protects the building blocks of a healthy society. Wisconsin's children deserve every opportunity to grow up healthy and strong. Our chapter of the National Association of Pediatric Nurse Practitioners stands ready to partner in this effort. Let's move forward — not backward — when it comes to the health of our children. Christine Schindler is a critical care pediatric nurse practitioner at Children's WI, a clinical professor at Marquette University, and the President of the Wisconsin Chapter of Pediatric Nurse Practitioners. She has been caring for critically ill and injured children for almost 30 years. All opinions expressed are her own. This article originally appeared on Milwaukee Journal Sentinel: Trump budget jeopardizes health of American children | Opinion


Boston Globe
3 days ago
- Boston Globe
Health insurers seeking steep rate increases
Gov. Maura Healey, too, linked the merged market proposal to broader economic concerns. Advertisement 'Health care costs, as reflected in the proposed rates filed by health insurers, are simply unsustainable. I directed our Insurance Commissioner to closely scrutinize these filings as part of the rate review process,' Healey said in a statement to the News Service. 'What is clear is that we all must do much more to lower the cost of health care in this state.' Eight major health insurance providers late last month submitted the proposed rates they want to charge next year in the merged market, which combines under one umbrella individual insurance and small group insurance for businesses with no more than 50 eligible employees. The new annual weighted average base rates would all increase by varying amounts, with Fallon Community Health Plan's 9.9 percent the lowest and Boston Medical Center Health Plan's 16.2 percent the highest, according to DOI data. Advertisement Taken together, the proposals reflect an average increase of 13.4 percent affecting more than 720,000 renewing members, a sizable jump over the 8.36 percent growth regulators approved last year and the 4.8 percent growth in 2024. Eileen McAnenny, president of the Employer Coalition on Health, said those hikes would be 'very difficult for small businesses to absorb,' especially as employers navigate high costs for energy and unemployment insurance as well as the prospect of tariffs. 'Those rate increases are alarming when considered in the context that Massachusetts already has the second-highest health insurance premiums in the nation,' she said. 'But unfortunately, I don't think it's surprising given that we set a cost growth benchmark each year that providers and drug companies blow through without consequence, and that we keep providing supplemental payments to providers and expecting nothing in return — no improved efficiency, no transparency.' Retailers Association of Massachusetts President Jon Hurst said the 'vast majority' of his group's 4,000 members would be affected by increases in the merged market premium rates. 'The average small business in the retail, small restaurant world has sales today equal to pre-COVID. Their sales are flat, but their costs are through the roof, primarily health insurance,' Hurst said. 'We've seen, over the last five years, an increasing number of dark storefronts. It's still continuing long past COVID because of these cost increases, and health insurance premiums are by far the biggest nut.' DOI will review each of the eight rate filings individually, and the department can reject proposals if it finds that the increases are 'not reasonable in relation to health plan benefits, or if they are excessive or inadequate or use rating factors that are discriminatory or not actuarially sound,' the department wrote in an advisory. Advertisement Last year, several carriers DOI plans a virtual public hearing on June 17, where insurance carriers will present their proposals and others are invited to offer testimony, ahead of a final decision expected in August. 'We're going to tell them it's unaffordable, reject them. They can reject them,' Hurst said. 'Maybe the insurers need to go back to the drawing board and reopen these contract negotiations with hospitals and pharma companies.' The vast majority of the merged market rate increases would be driven by increasing medical and pharmacy claims, according to data insurers submitted to the state, with administrative costs, taxes and fees accounting for less than one-tenth of the total average hike. Individual and small group health plans are required to spend 88 percent of premium dollars on health care services instead of administrative or other costs. Insurers have long contended their hands are tied by high provider and prescription drug prices. Lora Pellegrini, president of the Massachusetts Association of Health Plans group that represents insurers, said carriers 'are frustrated, too.' 'Premiums reflect those underlying health care costs. We have seen rate demands from providers in the high double digits. We have one provider who's asked for a 70 percent increase in their rate. Plans can only do so much,' Pellegrini said. 'The power of providers who have only gotten bigger and bigger with consolidation make it very hard for health plans to negotiate a robust deal, because consumers want these hospital systems in their networks.' Advertisement Pellegrini pointed to financial headaches at MassHealth and the Group Insurance Commission, the latter of which needed 'Private-sector health plans have those same challenges,' she said. Margins for private health insurers have been steadily declining. After peaking at 2.8 percent in 2020, the median private health insurer total margin dropped into the red in 2023 and fell again to -1.06 percent in 2024, according to data MAHP shared with the News Service. Financial strain is rampant across the health care landscape. Total health care spending per capita in Massachusetts The Division of Insurance has already flexed new authority to scrutinize health care costs. A market oversight law Healey signed in January tasked the office's regulators with determining whether proposed rates are 'excessive' by considering 'affordability for consumers and purchasers of health insurance products.' On March 12, the division 'We are actively looking at other actions we can take to contain these health costs,' Healey said. 'Everyone has a role to play – insurers, hospitals, the pharmaceutical industry – and everyone will need to step up to make Massachusetts a more affordable place to live and do business.' Advertisement Healey and the Legislature last term agreed on a hospital oversight and market review law and a measure intended to rein in prescription drug costs. While implementation of those laws unfolds, policymakers are weighing additional action to address what Asked how confident she is that Beacon Hill Democrats can navigate the thicket of competing interests to achieve additional reforms, McAnenny replied simply, 'I hold out hope.'
Yahoo
4 days ago
- Yahoo
Sam's Club says it plans to remove synthetic dyes from private brand by end of 2025
BENTONVILLE, Ark. (KNWA/KFTA) — Sam's Club announced on Thursday plans to eliminate more than 40 ingredients from its private label brand, Member's Mark, by the end of the year. The wholesale chain said in a news release that under the initiative, 'Made Without,' it will alter its food and beverage products to offer items without certain ingredients in order to cater to specific dietary preferences. In April, U.S. Health Secretary Robert F. Kennedy Jr. and Food and Drug Administration Commissioner Marty Makary announced plans to phase out several types of artificial, petroleum-based dyes used as food coloring in various snacks, drinks and desserts that line grocery shelves, mainly citing kids' health as the reason for the move. 'We take pride in the high-quality ingredients that go into our products, but what truly differentiates us are the ingredients we consciously leave out,' Julie Barber, chief merchant at Sam's Club, said. 'Our 'Made Without' commitment underscores our aspiration to be members' go-to destination for quality at a disruptive value. For us, it's about listening to our members and providing the items that resonate with their lifestyles.' Here is the list of ingredients Sam's Club plans to eliminate from its 'Made Without' products: Acesulfame-K (Acesulfame Potassium) (Ace-K) Acetylated Ester of Mono & Diglycerides (ACETEM) Artificial Flavors Aspartame Azodicarbonamide (ADA) Benzyl Alcohol Butylated hydroxy anisole (BHA) Butylated Hydroxytoluene (BHT) Butylparaben Certified Synthetic Colors/FD&C Colors Cocamide DEA Cyclamates Cyclopentasiloxane Cyclotetrasiloxane Dioctyl Sodium Sulfosuccinate (DSS) DMDM Hydantoin Ethyl Vanillin Formaldehyde Hexa, Hepta, Octa Esters of Sucrose High Fructose Corn Syrup Lactylated Esters of Mono & Diglycerides (OLEON) Methylparaben Neotame Phthalates Potassium Bisulfate Potassium Bisulfite Potassium Nitrate/Nitrite Propyl Gallate Propylparaben Saccharin (All) Simplesse Sodium Ferrocyanide Sodium Propionate Sucroglycerides Sucrose Polyester Talc Tertiary Butylhydroquinone (Except for our 35-pound food service frying oils) Toluene Sam's Club said it has already released cookies and other snacks without artificial colors. The retailer is also offering fresh sushi as part of its 'Made Without' program. In addition to Sam's Club, Tyson recently announced it planned to eliminate synthetic dyes from its products, according to CEO Donnie King. Copyright 2025 Nexstar Media, Inc. All rights reserved. This material may not be published, broadcast, rewritten, or redistributed.