SB1159 • 2026

health insurers; savings incentive program

SB1159 - health insurers; savings incentive program

Healthcare

Passed Legislature

This bill passed both chambers and reached final enrollment, even if later executive action is not shown here.

Sponsor: Janae Shamp
Last action: 2026-01-20
Official status: Senate second read
Effective date: Not listed

Plain English Breakdown

The official source material does not provide specific details on how the program will be implemented or its potential impacts, leaving these aspects uncertain.

Health Insurers; Savings Incentive Program

This bill requires health insurers to establish a savings incentive program that reimburses enrollees who receive covered healthcare services at prices below the insurer's usual reimbursement rate.

What This Bill Does

Requires health insurers to establish a savings incentive program for enrollees who receive covered healthcare services from providers or facilities at a price below the insurer's usual reimbursement rate.
Enrollees can have their payments applied toward deductibles and out-of-pocket maximums, and be reimbursed fifty percent of the difference between what they paid and the insurer’s usual reimbursement rate.
Health insurers may reimburse enrollees through either a health savings account or a cash payment.

Who It Names or Affects

Health insurers
Enrollees in healthcare plans

Terms To Know

Usual reimbursement: The amount the health insurer would typically pay an in-network provider for a service.
530A account: An account prescribed by section 26 United States Code section 530A, which can be used to hold savings from healthcare incentives.

Limits and Unknowns

The bill does not specify the effective date.
It is unclear how this program will impact overall healthcare costs and enrollee participation.

Bill History

2026-01-20 Senate
Senate second read
2026-01-15 Senate
Senate Rules: None
2026-01-15 Senate
Senate Finance: None
2026-01-15 Senate
Senate first read

Official Summary Text

SB1159 - health insurers; savings incentive program

Current Bill Text

Read the full stored bill text

SB1159 - 572R - I Ver

REFERENCE TITLE:
health insurers; savings incentive program

State of Arizona

Senate

Fifty-seventh Legislature

Second Regular Session

2026

SB 1159

Introduced by

Senator
Shamp

AN
ACT

amending section 20-111, arizona
revised statutes; RELATING to health insurers.

(TEXT OF BILL BEGINS ON NEXT PAGE)

Be it enacted by the Legislature of the State of Arizona:

Section 1. Section 20-111, Arizona Revised
Statutes, is amended to read:

START_STATUTE
20-111.

Health insurers; savings incentive programs; definitions

A. A health insurer
may

shall
establish a program that provides a savings incentive for
enrollees for medically necessary covered health care services that health care
providers and health care facilities provide at a price that is

below the health insurer's usual reimbursement.

B. The program may enable

an
eligible enrollee who receives covered health care services from a health care
provider or health care facility at a price below the health insurer's usual
reimbursement to have the amount the enrollee pays applied toward the
enrollee's deductible and out-of-pocket maximum and be reimbursed
for
a portion

fifty percent
of the amount of the difference between the price
the enrollee paid

and the health insurer's
usual reimbursement.
� A health insurer may reimburse an eligible
enrollee by doing either of the following:

1. Making a deposit into either:

(
a
) A health
savings account.

(
b
) A 530A
account as prescribed in 26 United States Code section 530A.

2. Providing the amount in cash.

C. For the purposes of this section:

1. "Health care facility" means a
hospital, outpatient surgical center, health care laboratory, diagnostic
imaging center or urgent care center.

2. "Health care provider" has the same
meaning prescribed in section 32-3216.

3. "Health insurer" has the same meaning prescribed
in section 32-3216.

4. "Usual reimbursement" means the amount
the health insurer would ordinarily pay an in-network health care provider or
an in-network health care facility for the service.
END_STATUTE