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Legislative Year: 2023 Change

Bill Detail: SB23-093

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Title Increase Consumer Protections Medical Transactions
Status Governor Signed (05/04/2023)
Bill Subjects
  • Business & Economic Development
  • Health Care & Health Insurance
House Sponsors M. Weissman (D)
K. Brown (D)
Senate Sponsors L. Cutter (D)
S. Jaquez Lewis (D)
House Committee Health and Insurance
Senate Committee Health and Human Services
Date Introduced 01/30/2023

The bill:
  • Caps the rate of interest on medical debt at 3% per annum;
  • Defines medical debt, for purposes of a statutory cap on
interest rates and fair debt collection practices, to include
debt arising from the receipt of health-care services or
medical products or devices;
  • Requires a debt collector or collection agency collecting on
a medical debt to provide to the consumer, upon the
consumer's written or oral request, an itemized statement
concerning the debt and allows the consumer to dispute the
validity of the debt after receipt of the itemized statement;
  • Establishes requirements relating to payment plans for
medical debt, including written documentation of the
payment plan between the consumer and the creditor, debt
collector, or debt collection agency; notice to the consumer
if the payment plan will be accelerated or declared in
default or inoperative due to nonpayment; and the
opportunity to renegotiate the payment plan;
  • Prohibits collection on the debt during any appeal
proceedings and prohibits reporting the debt to a consumer
reporting agency until a certain amount of time after the
payment plan becomes inoperative;
  • Requires a debt collector or collection agency that files a
legal action to collect medical debt to include an
itemization of the charges and, prior to the entry of a
default judgment against the creditor, provide evidence of
the debt;
  • Makes it a deceptive trade practice to violate provisions
relating to billing practices, surprise billing, and balance
billing laws; and
  • Requires a health-care provider or health-care facility to
provide, upon request of a prospective patient, an estimate
of the total cost of a health-care service (service) to a
person who intends to self-pay for the service (self-pay
estimate). The bill includes requirements for the self-pay
estimate and caps the amount by which the final, total cost
of the service may exceed the self-pay estimate, with
exceptions for emergency or unforeseen, medically
necessary services required during the service. The bill
makes it a deceptive trade practice to violate provisions
relating to the self-pay estimate.

Committee Reports
with Amendments
Full Text
Full Text of Bill (pdf) (most recent)
Fiscal Notes Fiscal Notes (06/27/2023) (most recent)  
Additional Bill Documents Bill Documents
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  • Past fiscal notes
  • Committee activity and documents
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Votes House and Senate Votes
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