Angie Craig will penalize health insurers that deny more than 25% of claims and return the penalties to affected enrollees.

My bill with Rep. Ryan will finally penalize health insurers for sky-high denial rates and – most importantly, it will put that money back into Minnesotans’ pockets.

Craig commits to a bill that would impose penalties on insurers with high denial rates and refund the money to affected patients.

Reps. Craig, Ryan Introduce Legislation to Hold Health Insurance Companies Accountable for Sky-High Denial Rates, Refund Patients for Unfair Health Care Costs | Congresswoman Angie Craig
primary · press_release · model gpt-5.4-mini

My bill with Rep. Ryan will finally penalize health insurers for sky-high denial rates and – most importantly, it will put that money back into Minnesotans’ pockets.

Craig says her bill will penalize health insurers with high denial rates and return the money to patients.

REPRESENTATIVES PAT RYAN, ANGIE CRAIG INTRODUCE LEGISLATION TO HOLD HEALTH INSURANCE COMPANIES ACCOUNTABLE FOR SKY-HIGH DENIAL RATES, REFUND PATIENTS FOR UNFAIR HEALTH CARE COSTS | Congressman Pat Ryan
secondary · other · model gpt-5.4-mini

Rep. Angie Craig and Pat Ryan introduced their new bill to hold health insurance companies accountable for above-average denial rates and refund patients for medical payments that should have been covered by insurance.

Craig announced legislation to penalize insurers with above-average denial rates and refund patients for uncovered costs.

Press Releases | Congresswoman Angie Craig
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"Today, U.S. Representatives Angie Craig (MN-02) and Pat Ryan (NY-18) introduced their new bill... The Patient Refunds for Bad Denials Act would create financial penalties for health insurers that deny more than 25% of claims in a given year... These penalties would be paid back to affected enrollees."

Craig publicly introduced the bill in the House on April 22, 2026. The proposal directly matches the claim’s core mechanism: penalties for insurers above a 25% denial rate and rebates to affected enrollees.

partial same_term A for effort

Reps. Craig, Ryan Introduce Legislation to Hold Health Insurance Companies Accountable for Sky-High Denial Rates, Refund Patients for Unfair Health Care Costs | Congresswoman Angie Craig
primary · model gpt-5.4-mini · confidence 97%

The "Patient Refunds for Bad Denials Act" would create financial penalties for health insurers that deny more than 25% of claims/year; the penalties would be paid directly back to affected patients.

A second official congressional office statement confirms the same introduced legislation and its enforcement design. This supports that Craig took a concrete legislative step, but not that the policy was enacted.

partial same_term A for effort

REPRESENTATIVES PAT RYAN, ANGIE CRAIG INTRODUCE LEGISLATION TO HOLD HEALTH INSURANCE COMPANIES ACCOUNTABLE FOR SKY-HIGH DENIAL RATES, REFUND PATIENTS FOR UNFAIR HEALTH CARE COSTS | Congressman Pat Ryan
secondary · model gpt-5.4-mini · confidence 95%