---
type: "Bill"
title: "Health Insurance - Adverse Decisions - Notices, Reporting, and Examinations"
description: "Health Insurance - Adverse Decisions - Notices, Reporting, and Examinations"
jurisdiction: "us/states/md"
legislature: "Maryland General Assembly"
session: "2025"
identifier: "HB 848"
citation: "Maryland HB 848 (2025)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: ["Bagnall", "Bhandari", "Chisholm", "Cullison", "Guzzone", "Hill", "Hutchinson", "Kaiser", "Kerr", "Kipke", "Lopez", "Martinez", "Pena-Melnyk", "Reilly", "Rosenberg", "S. Johnson", "Szeliga", "Taveras", "White Holland", "Woods", "Woorman"]
version_count: 4
action_count: 18
vote_count: 3
first_action: "2025-01-30"
last_action: "2025-05-20"
source: "openstates"
source_identifier: "ocd-bill/d73eeca7-893d-43ee-8660-56ec581f2417"
source_url: "http://mgaleg.maryland.gov/mgawebsite/Legislation/Details/hb0848?ys=2025RS&search=True"
source_hash: "5bb41fa1bb4cfb1efd182142b8594bb44ec60909387f0d59e3eb1c67aafca8d9"
vintage: "2026-07-01"
source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
retrieved_at: "2026-07-06"
confidence: "reported"
tags: ["legislation", "bill", "us-md"]
---

# Maryland HB 848 (2025) — Health Insurance - Adverse Decisions - Notices, Reporting, and Examinations

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **Chapter - Health Insurance - Adverse Decisions - Notices, Reporting, and Examinations** (committee substitute) — [source](http://mgaleg.maryland.gov/2025RS/Chapters_noln/CH_669_hb0848e.pdf)
2. **Enrolled - Health Insurance - Adverse Decisions - Notices, Reporting, and Examinations** (committee substitute) — [source](http://mgaleg.maryland.gov/2025RS/bills/hb/hb0848e.pdf)
3. **First - Health Insurance - Adverse Decisions - Reporting and Examinations** (committee substitute) — [source](http://mgaleg.maryland.gov/2025RS/bills/hb/hb0848f.pdf)
4. **Third - Health Insurance - Adverse Decisions - Notices, Reporting, and Examinations** (committee substitute) — [source](http://mgaleg.maryland.gov/2025RS/bills/hb/hb0848t.pdf)

## Votes

- On Third Reading (Amend) — **46–0** (pass) · upper
- On Third Reading and Final Passage (Hse concurred) — **139–0** (pass) · lower
- On Third Reading — **137–0** (pass) · lower

## Sponsors

- Bagnall — primary (person)
- Bhandari — primary (person)
- Chisholm — primary (person)
- Cullison — primary (person)
- Guzzone — primary (person)
- Hill — primary (person)
- Hutchinson — primary (person)
- Kaiser — primary (person)
- Kerr — primary (person)
- Kipke — primary (person)
- Lopez — primary (person)
- Martinez — primary (person)
- Pena-Melnyk — primary (person)
- Reilly — primary (person)
- Rosenberg — primary (person)
- S. Johnson — primary (person)
- Szeliga — primary (person)
- Taveras — primary (person)
- White Holland — primary (person)
- Woods — primary (person)
- Woorman — primary (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2025-01-30** First Reading Health and Government Operations `referral-committee`
- **2025-02-03** Hearing 2/13 at 1:00 p.m.
- **2025-03-03** Favorable with Amendments Report by Health and Government Operations `committee-passage-favorable`
- **2025-03-04** Favorable with Amendments { `committee-passage-favorable`
- **2025-03-04** Second Reading Passed with Amendments
- **2025-03-06** Third Reading Passed `passage`
- **2025-03-10** Referred Finance `referral-committee`
- **2025-03-14** Hearing 3/20 at 1:00 p.m.
- **2025-03-18** Hearing canceled
- **2025-03-18** Hearing 3/20 at 1:30 p.m.
- **2025-03-31** Favorable with Amendments Report by Finance `committee-passage-favorable`
- **2025-04-01** Favorable with Amendments { `committee-passage-favorable`
- **2025-04-01** Second Reading Passed with Amendments
- **2025-04-02** Third Reading Passed `passage`
- **2025-04-03** House Concurs Senate Amendments
- **2025-04-03** Third Reading Passed `passage`
- **2025-04-03** Passed Enrolled
- **2025-05-20** Approved by the Governor - Chapter 669 `executive-signature`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/d73eeca7-893d-43ee-8660-56ec581f2417`. Confidence: reported (aggregated from official Maryland legislature records).