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HB2243 • 2026

Insurance, Health, Accident

AN ACT to amend Tennessee Code Annotated, Title 8; Title 56 and Title 71, relative to healthcare provider reimbursement.

Healthcare
Active

The official status still shows this bill as active or still awaiting another formal step.

Sponsor
Martin B, Watson
Last action
2026-03-30
Official status
Comp. SB subst.
Effective date
Not listed

Plain English Breakdown

The bill does not explicitly mention downcoding claims or reducing reimbursement levels solely because the patient is an exempt patient, though it may be implied by other provisions.

Stopping Health Insurers from Excluding Legal Decisions (SHIELD) Act

This act stops health insurance companies from penalizing healthcare providers for having patients who refuse vaccinations based on religious beliefs or medical reasons.

What This Bill Does

  • Prevents health insurance companies from lowering the quality rating of a doctor's office if some patients there choose not to get vaccinated due to religion or medical issues.
  • Requires health insurance companies to exclude patients who have refused vaccines from calculations that affect how much money doctors receive for their services.
  • Forbids health insurance companies from removing a doctor from their network, reducing the amount they pay to the doctor, or withholding payments just because some of the doctor's patients are exempt from getting vaccinated.

Who It Names or Affects

  • Healthcare providers and their patients in Tennessee
  • Insurance companies operating in Tennessee

Terms To Know

Exempt patient
A person who has refused a specific vaccine or series of vaccines for religious reasons or due to medical issues recognized by state law.
Quality measure
A standard used by insurance companies to determine how well healthcare providers are performing, which can affect reimbursement rates and network participation.

Limits and Unknowns

  • The bill applies only to contracts entered into on or after July 1, 2026.
  • It does not specify what happens if a patient's refusal is based on reasons other than religious beliefs or medical contraindications.

Amendments

These notes stay tied to the official amendment files and metadata from the legislature.

Amendment 1-0 to HB2243

Plain English: This amendment adds a new section to Tennessee law that prevents health insurance companies from penalizing healthcare providers for patients who choose not to get vaccinated.

  • Adds a new section (56-7-1022) to Title 56 of the Tennessee Code Annotated, which prohibits health insurance entities from including exempt patients in vaccination-related metrics used to determine provider payments or ratings.
  • Requires health insurance entities to exclude patients who have opted out of vaccinations from final quality measure calculations if a healthcare provider documents this decision.
  • Prohibits health insurance companies from terminating providers from their networks or reducing reimbursement rates solely because the provider has exempt patients.
  • The amendment text does not specify how health insurance entities must adjust their metrics to exclude exempt patients, which could leave some ambiguity in implementation.
Amendment 2-0 to HB2243

Plain English: The amendment adds a new subsection (f) to Section 56-7-1022, which prohibits health insurance entities from reducing reimbursement levels or downcoding claims based on a patient’s exempt status or if preventative care standards were not met due to that status.

  • Adds a new subsection (f) to § 56-7-1022 in the bill.
  • The amendment text does not specify what constitutes 'exempt patient' status or provide details on how this will be enforced.
Amendment 1-0 to SB2070

Plain English: This amendment adds a new section to Tennessee law that prevents health insurance companies from penalizing healthcare providers for patients who choose not to get vaccinated.

  • Adds a new section (56-7-1022) to Title 56 of the Tennessee Code Annotated, which prohibits health insurance entities from including exempt patients in vaccination-related metrics used to determine provider payments or ratings.
  • Requires health insurance entities to exclude patients who have opted out of vaccinations from final quality measure calculations if a healthcare provider documents this decision.
  • Prohibits health insurance companies from terminating providers from their networks or reducing reimbursement rates solely because the provider has exempt patients.
  • The amendment text does not specify how health insurance entities must adjust their metrics to exclude exempt patients, leaving some uncertainty about implementation details.

Bill History

  1. 2026-04-10 Tennessee General Assembly

    Transmitted to Governor for action.

  2. 2026-04-09 Tennessee General Assembly

    Signed by H. Speaker

  3. 2026-04-06 Tennessee General Assembly

    Signed by Senate Speaker

  4. 2026-04-06 Tennessee General Assembly

    Enrolled and ready for signatures

  5. 2026-04-02 Tennessee General Assembly

    Sponsor(s) Added.

  6. 2026-04-02 Tennessee General Assembly

    Concurred, Ayes 32, Nays 0 (Amendment 2 - HA0832)

  7. 2026-03-31 Tennessee General Assembly

    Placed on Senate Message Calendar for 4/2/2026

  8. 2026-03-30 Tennessee General Assembly

    Comp. SB subst.

  9. 2026-03-30 Tennessee General Assembly

    Sponsor(s) Added.

  10. 2026-03-30 Tennessee General Assembly

    Passed H., as am., Ayes 80, Nays 12, PNV 0

  11. 2026-03-30 Tennessee General Assembly

    H. adopted am. (Amendment 2 - HA0832)

  12. 2026-03-30 Tennessee General Assembly

    Am. withdrawn. (Amendment 1 - HA0831)

  13. 2026-03-30 Tennessee General Assembly

    Subst. for comp. HB.

  14. 2026-03-30 Tennessee General Assembly

    Rcvd. from S., held on H. desk.

  15. 2026-03-26 Tennessee General Assembly

    H. Placed on Regular Calendar for 3/30/2026

  16. 2026-03-26 Tennessee General Assembly

    Engrossed; ready for transmission to House

  17. 2026-03-26 Tennessee General Assembly

    Sponsor(s) Added.

  18. 2026-03-26 Tennessee General Assembly

    Passed Senate as amended, Ayes 29, Nays 0

  19. 2026-03-26 Tennessee General Assembly

    Senate adopted Amendment (Amendment 1 - SA0579)

  20. 2026-03-25 Tennessee General Assembly

    Placed on cal. Calendar & Rules Committee for 3/26/2026

  21. 2026-03-25 Tennessee General Assembly

    Sponsor(s) Added.

  22. 2026-03-24 Tennessee General Assembly

    Rec. for pass. if am., ref. to Calendar & Rules Committee

  23. 2026-03-24 Tennessee General Assembly

    Placed on Senate Regular Calendar for 3/26/2026

  24. 2026-03-18 Tennessee General Assembly

    Placed on cal. Insurance Committee for 3/24/2026

  25. 2026-03-17 Tennessee General Assembly

    Action def. in Insurance Committee to 3/24/2026

  26. 2026-03-12 Tennessee General Assembly

    Sponsor(s) Added.

  27. 2026-03-12 Tennessee General Assembly

    Senate Reset on calendar for 3/26/2026

  28. 2026-03-11 Tennessee General Assembly

    Placed on cal. Insurance Committee for 3/17/2026

  29. 2026-03-10 Tennessee General Assembly

    Action def. in Insurance Committee to 3/17/2026

  30. 2026-03-10 Tennessee General Assembly

    Placed on Senate Regular Calendar for 3/12/2026

  31. 2026-03-04 Tennessee General Assembly

    Placed on cal. Insurance Committee for 3/10/2026

  32. 2026-03-04 Tennessee General Assembly

    Rec for pass if am by s/c ref. to Insurance Committee

  33. 2026-03-03 Tennessee General Assembly

    Recommended for passage with amendment/s, refer to Senate Calendar Committee Ayes 8, Nays 0 PNV 1

  34. 2026-02-25 Tennessee General Assembly

    Placed on s/c cal Insurance Subcommittee for 3/4/2026

  35. 2026-02-24 Tennessee General Assembly

    Placed on Senate Commerce and Labor Committee calendar for 3/3/2026

  36. 2026-02-17 Tennessee General Assembly

    Sponsor(s) Added.

  37. 2026-02-09 Tennessee General Assembly

    Sponsor(s) Added.

  38. 2026-02-05 Tennessee General Assembly

    Assigned to s/c Insurance Subcommittee

  39. 2026-02-05 Tennessee General Assembly

    P2C, ref. to Insurance Committee

  40. 2026-02-05 Tennessee General Assembly

    Passed on Second Consideration, refer to Senate Commerce and Labor Committee

  41. 2026-02-04 Tennessee General Assembly

    Sponsor(s) withdrawn.

  42. 2026-02-04 Tennessee General Assembly

    Sponsor change.

  43. 2026-02-04 Tennessee General Assembly

    Sponsor(s) Added.

  44. 2026-02-04 Tennessee General Assembly

    Intro., P1C.

  45. 2026-02-02 Tennessee General Assembly

    Filed for introduction

  46. 2026-02-02 Tennessee General Assembly

    Introduced, Passed on First Consideration

  47. 2026-01-22 Tennessee General Assembly

    Filed for introduction

Official Summary Text

This bill prohibits health insurance entities from calculating quality measures, quality ratings, incentive payments, or reimbursement tiers for a healthcare provider by including any exempt patient in the denominator of any vaccine-related metric. Furth
er, upon receiving documentation from a healthcare provider that a patient is an exempt patient, the health insurance entity must exclude the patient from the calculation of the provider's vaccination rate performance or any other quality metric related t
o
vaccine status.

This bill also prohibits health insurance entities from terminating a healthcare provider from a network, reducing reimbursement rates, or withholding an incentive payment solely because the provider retains exempt patients in its practice. Any claim fo
r reimbursement that is reduced, denied, or recouped by a health insurance entity in violation of this bill is a clean claim and is subject to the interest penalties and remediation as provided in present law. As used in this prohibition, a "clean claim"
i
s a claim received by a health insurance entity for adjudication that requires no further information, adjustment, or alteration to be paid by the health insurer.

"EXEMPT PATIENT" DEFINED

As used in this bill, an "exempt patient" means a patient, or the parent or legal guardian of a minor patient, who has declined a specific vaccination or series of vaccinations and has provided the healthcare provider with a written statement of refusal
based on religious tenets or medical contraindication as recognized under state law.

APPLICABILITY

This bill applies to contracts entered into on or after July 1, 2026.

ON MARCH 26, 2026, THE SENATE ADOPTED AMENDMENT #1 AND PASSED SENATE BILL 2070, AS AMENDED.

AMENDMENT #1 removes this bill's requirement that a patient must have provided the healthcare provider with a written statement of refusal of a vaccination based on religious tenets or medical contraindication in order to be an exempt patient for purposes
of this bill.

This amendment expands this bill's definition of "quality measure" to include

capitation rate, shared-savings distribution, and downside risk-sharing arrangement.

This amendment specifies that a health insurance entity shall not calculate a "final" quality measure, quality rating, incentive payment, or reimbursement tier for a healthcare provider at the end of each measurement period that is used to calculate prov
ider payments by including an exempt patient documented by a healthcare provider in the denominator of a vaccination-related metric.

Under this amendment, if a provider submits documentation that supports that a patient is an exempt patient and submits an electronic claim containing a standard diagnosis code indicating the immunization was not carried out, then a health insurance enti
ty must exclude the patient from the final calculation of the provider's vaccination rate performance, or any other quality metric derived from vaccination status, for the applicable measurement period.

This amendment makes this bill's prohibition against a health insurance entity terminating a healthcare provider from a network, reducing a provider's reimbursement rate, or withholding an incentive payment because the provider retains exempt patients in
the provider's practice applicable to situations where the termination, reduction, or withholding is based in whole or in part on such retention of exempt patients (instead of when the action is based solely on such retention).

ON MARCH 30, 2026, THE HOUSE SUBSTITUTED SENATE BILL 2070 FOR HOUSE BILL 2243, ADOPTED AMENDMENT #2, AND PASSED SENATE BILL 2070, AS AMENDED.

AMENDMENT #2 prohibits an insurer from downcoding a claim or reducing a reimbursement level solely because the patient is an exempt patient or a preventative care standard was not met due to the patient's exempt status.

ON APRIL 2, 2026, THE SENATE CONCURRED IN HOUSE AMENDMENT #
2
.

Current Bill Text

Read the full stored bill text
SENATE BILL 2070
By Watson

HOUSE BILL 2243
By Martin B
HB2243
011174
- 1 -

AN ACT to amend Tennessee Code Annotated, Title 8;
Title 56 and Title 71, relative to healthcare
provider reimbursement.

BE IT ENACTED BY THE GENERAL ASSEMBLY OF THE STATE OF TENNESSEE:
SECTION 1. This act is known and may be cited as the "Stopping Health Insurers from
Excluding Legal Decisions (SHIELD) Act."
SECTION 2. Tennessee Code Annotated, Title 56, Chapter 7, Part 10, is amended by
adding the following as a new section:
56-7-1022. Prohibition on penalizing providers for patient vaccination exemptions.
(a) As used in this section:
(1) "Exempt patient" means a patient, or the parent or legal guardian of a
minor patient, who has declined a specific vaccination or series of vaccinations
and has provided the healthcare provider with a written statement of refusal
based on religious tenets or medical contraindication as recognized under § 49-
6-5001 or other applicable state law;
(2) "Health insurance entity" has the same meaning as defined in § 56-7-
109; and
(3) "Quality measure" means a metric, standard, or benchmark used by a
health insurance entity to determine a healthcare provider's reimbursement rate,
incentive payments, bonus structure, star rating, or network participation status,
including, but not limited to, the Healthcare Effectiveness Data and Information
Set (HEDIS).

- 2 - 011174

(b) A health insurance entity shall not calculate a quality measure, quality rating,
incentive payment, or reimbursement tier for a healthcare provider by including any
exempt patient in the denominator of any vaccination-related metric.
(c) If a healthcare provider submits documentation to a health insurance entity
indicating that a patient is an exempt patient, then the health insurance entity must
exclude the patient from the calculation of the provider's vaccination rate performance or
any other quality metric derived from vaccination status.
(d) A health insurance entity shall not terminate a healthcare provider from a
network, reduce a provider's reimbursement rate, or withhold an incentive payment
solely because the provider retains exempt patients in the provider's practice.
(e) For purposes of timely reimbursement under § 56-7-109, a claim for
reimbursement that is denied, reduced, or recouped by a health insurance entity in
violation of subsection (b) or (d) is a clean claim, as that term is defined in § 56-7-109,
and is subject to the interest penalties and remediation requirements set forth under §
56-7-109.
SECTION 3. This act takes effect July 1, 2026, the public welfare requiring it, and
applies to contracts entered into, renewed, amended, or delivered on or after that date.