Patrick Ryan will champion legislation to penalize health insurers that deny more than 25% of claims and refund the penalties directly to affected patients.

Patrick Ryan · New York · Democratic

policy impact 0.64 specificity 0.93 extraction confidence 96%

Commitment kind: unknown. Promised action: not established. Promised outcome: not established. Deadline: unknown; not assumed expired.

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Occurrences

Representatives Pat Ryan and Angie Craig 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. 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.

Ryan announced and backed legislation that would impose financial penalties on high-denial-rate insurers and return the money to affected 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
primary · press_release · model gpt-5.4-mini

Evidence

legacy_unverified · Source version not recorded · locator unknown

GovInfo bill text lists H.R. 8442 as introduced by Ms. Craig for herself and Mr. Ryan on April 22, 2026. It creates civil monetary penalties for insurers with claims denial percentages of 25 percent or greater and directs the Secretary to distribute collected penalty amounts pro rata to enrolled individuals.

Unverified model/legacy excerpt; not proof. AI summary (separate from source): Official bill text confirms Ryan was an original cosponsor of legislation matching the commitment: penalties for high health-insurance claim denial rates and refund distribution to affected enrollees. Searches in the Aug. 16-18, 2026 lookback did not surface a newer official action changing this status.

delivered same_term A for effort

H.R. 8442 (IH) - Patient Refunds for Bad Denials Act of 2026
secondary · model gpt-5.5 · confidence 97%

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legacy_unverified · Source version not recorded · locator unknown

Ryan's office announced that Pat Ryan and Angie Craig introduced the Patient Refunds for Bad Denials Act, describing penalties for insurers that deny more than 25% of claims per year and saying the penalties would be paid directly back to affected patients.

Unverified model/legacy excerpt; not proof. AI summary (separate from source): Ryan publicly championed the specific bill and framed it as fining insurers for wrongful claim-denial rates while returning money to patients, directly matching the campaign commitment's policy substance.

delivered 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
primary · model gpt-5.5 · confidence 95%

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Assessments

Public state: unverified As of unknown · legacy_unverified · . Original AI recommendation (not independently established): delivered. same_term A for effort

The promise was to champion legislation, not necessarily secure enactment. During Ryan's current House term, he was announced as introducing the Patient Refunds for Bad Denials Act with Rep. Angie Craig, and official bill text lists Ryan as an original cosponsor. The bill directly matches the promised mechanism: penalties for health insurers with denial rates of 25% or greater and distribution of collected penalties back to affected enrollees. That is enough to count the campaign commitment as delivered in the same term.

provider codex_cli · model gpt-5.5 · confidence 96%