---
type: "Bill"
title: "Insurance, Health, Accident - As enacted, prohibits a health benefit plan from denying payment or coverage for emergency services if the symptoms presented by an enrollee of a health benefit plan and recorded by the attending provider indicate that an emergency medical condition could exist, regardless of the final diagnosis of the symptoms. - Amends TCA Title 56, Chapter 7, Part 23."
description: "Insurance, Health, Accident - As enacted, prohibits a health benefit plan from denying payment or coverage for emergency services if the symptoms presented by an enrollee of a health benefit plan and recorded by the attending provider indicate that an emergency medical condition could exist, regardless of the final diagnosis of the symptoms. - Amends TCA Title 56, Chapter 7, Part 23."
jurisdiction: "us/states/tn"
legislature: "Tennessee General Assembly"
session: "112"
identifier: "SB 2386"
citation: "Tennessee SB 2386 (112)"
classification: ["bill"]
subjects: ["Accident", "Health", "Insurance"]
status: "enacted"
primary_sponsors: ["Kumar", "Watson"]
version_count: 3
action_count: 38
vote_count: 6
first_action: "2022-02-01"
last_action: "2022-04-13"
source: "openstates"
source_identifier: "ocd-bill/35185095-b00e-4a4f-8e33-6ddf0ef354f7"
source_url: "http://wapp.capitol.tn.gov/apps/BillInfo/default.aspx?BillNumber=SB2386&GA=112"
source_hash: "cca41092d5fc140b2f12c4ea689a1a44892d8133d6e3c87c3fd6e9eb7ac75d61"
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-tn"]
---

# Tennessee SB 2386 (112) — Insurance, Health, Accident - As enacted, prohibits a health benefit plan from denying payment or coverage for emergency services if the symptoms presented by an enrollee of a health benefit plan and recorded by the attending provider indicate that an emergency medical condition could exist, regardless of the final diagnosis of the symptoms. - Amends TCA Title 56, Chapter 7, Part 23.

## Version chain

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

1. **Amendment HA0651** (committee substitute) — [source](https://www.capitol.tn.gov/Bills/112/Amend/HA0651.pdf)
2. **Amendment SA0587** (committee substitute) — [source](https://www.capitol.tn.gov/Bills/112/Amend/SA0587.pdf)
3. **Current Version** (committee substitute) — [source](https://www.capitol.tn.gov/Bills/112/Bill/SB2386.pdf)

## Votes

- HOUSE CALENDAR & RULES COMMITTEE: H. Placed on Regular Calendar for 3/24/2022 3/17/2022 (2) — **0–0** (fail) · lower
- INSURANCE SUBCOMMITTEE: Rec for pass if am by s/c ref. to Insurance Committee 3/1/2022 (4) — **0–0** (fail) · lower
- FLOOR VOTE: REGULAR CALENDAR PASSAGE ON THIRD CONSIDERATION 3/24/2022 Passed (1) — **89–0** (pass) · lower
- HOUSE INSURANCE COMMITTEE: Rec. for pass. if am., ref. to Calendar & Rules Committee 3/8/2022 (3) — **0–0** (pass) · lower
- FLOOR VOTE: as Amended Third Consideration 3/17/2022 Passed (1) — **33–0** (pass) · upper
- SENATE COMMERCE AND LABOR COMMITTEE: Recommended for passage with amendment/s, refer to Senate Calendar Committee Ayes 8, Nays 0 PNV 0 3/8/2022 Passed (2) — **7–0** (pass) · upper

## Sponsors

- Kumar — primary (person)
- Watson — primary (person)

## Timeline

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

- **2022-02-01** Filed for introduction `introduction, reading-1`
- **2022-02-02** Introduced, Passed on First Consideration `introduction`
- **2022-02-02** Intro. `introduction`
- **2022-02-02** Filed for introduction `introduction, reading-1`
- **2022-02-03** Passed on Second Consideration, refer to Senate Commerce and Labor Committee
- **2022-02-03** P1C.
- **2022-02-07** P2C, ref. to Insurance Committee `referral-committee`
- **2022-02-08** Assigned to s/c Insurance Subcommittee `referral-committee`
- **2022-02-22** Placed on Senate Commerce and Labor Committee calendar for 3/1/2022
- **2022-02-23** Placed on s/c cal Insurance Subcommittee for 3/1/2022
- **2022-03-01** Action deferred in Senate Commerce and Labor Committee to 3/8/2022
- **2022-03-01** Rec for pass if am by s/c ref. to Insurance Committee `referral-committee`
- **2022-03-02** Placed on Senate Commerce and Labor Committee calendar for 3/8/2022
- **2022-03-02** Placed on cal. Insurance Committee for 3/8/2022
- **2022-03-08** Recommended for passage with amendment/s, refer to Senate Calendar Committee Ayes 8, Nays 0 PNV 0
- **2022-03-08** Rec. for pass. if am., ref. to Calendar & Rules Committee `committee-passage-favorable`
- **2022-03-10** Sponsor(s) Added.
- **2022-03-15** Placed on Senate Regular Calendar for 3/17/2022
- **2022-03-16** Placed on cal. Calendar & Rules Committee for 3/17/2022
- **2022-03-17** Sponsor(s) Added.
- **2022-03-17** Engrossed; ready for transmission to House
- **2022-03-17** Passed Senate as amended, Ayes 33, Nays 0 `passage`
- **2022-03-17** Senate adopted Amendment (Amendment 1 - SA0587)
- **2022-03-17** H. Placed on Regular Calendar for 3/24/2022
- **2022-03-21** Rcvd. from S., held on H. desk.
- **2022-03-24** Passed H., Ayes 89, Nays 0, PNV 0 `passage`
- **2022-03-24** Am. withdrawn. (Amendment 1 - HA0651) `amendment-withdrawal`
- **2022-03-24** Subst. for comp. HB.
- **2022-03-24** Comp. SB subst.
- **2022-03-24** Sponsor(s) Added.
- **2022-03-25** Enrolled and ready for signatures
- **2022-03-28** Signed by Senate Speaker
- **2022-03-28** Signed by H. Speaker
- **2022-03-29** Transmitted to Governor for action.
- **2022-04-08** Signed by Governor. `executive-signature`
- **2022-04-13** Effective date(s) 04/08/2022
- **2022-04-13** Pub. Ch. 784
- **2022-04-13** Comp. became Pub. Ch. 784

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/35185095-b00e-4a4f-8e33-6ddf0ef354f7`. Confidence: reported (aggregated from official Tennessee legislature records).