Washington 2025-2026 Regular Session Status: Passed House Bipartisan · 3 D · 1 R cosponsors

HB 2283 — Establishing a medical loss ratio of at least 90 percent for health plans.

Last action — House Rules "X" file.

  1. ✓
    Introduced
  2. ✓
    In Committee
  3. 3
    Passed House
  4. 4
    Passed Senate
  5. 5
    To Executive
  6. 6
    Enacted

This bill has passed the House. Introduced January 07, 2026. It now moves to the second chamber.

Next likely step: consideration and a floor vote in the Senate.

Odds of enactment

Moderate chance

Based on the sponsor, cosponsors, and committee posture, this bill has a moderate chance of becoming law.

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A statistical estimate from our own model of past outcomes — an insight, not a guarantee. Policymaking is volatile.

Prognosis

Advancing 50% · moderate confidence

  • Passed House

    Current position in the legislative process.

  • 4 sponsors

    1 primary, 3 co-sponsors signed on.

  • Bipartisan support

    Sponsored across 2 parties (3 D · 1 R) — cross-party backing.

Based on stage, sponsorship breadth, committee status, recorded votes, and cross-state momentum — a description of the observable signals, not a prediction.

Bill Text

What changed in the latest version

11 added · 28 removed

Plain-language change summary

In the latest version of House Bill 2283, the requirement for the medical loss ratio has been specified to be at least 90 percent, and the definition of "medical loss ratio" now aligns with federal regulations set for 2026. Additionally, the provision for requiring insurance carriers to submit detailed calculations of their medical loss ratios has been removed. This change simplifies the bill and emphasizes the need for insurance carriers to maintain a high level of spending on patient care rather than administrative costs, ensuring that a significant portion of premiums goes towards actual medical services.

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H-3282.1 SUBSTITUTE HOUSE BILL 2283 State of Washington 69th Legislature 2026 Regular Session By House Health Care & Wellness (originally sponsored by Representatives Rule, Leavitt, Reeves, and Valdez) READ FIRST TIME 02/03/26.
H-2752.1 HOUSE BILL 2283 State of Washington 69th Legislature 2026 Regular Session By Representatives Rule, Leavitt, Reeves, and Valdez Prefiled 01/07/26.
Read first time 01/12/26.
Referred to Committee on Health Care & Wellness.
(1) For health plans issued or renewed on or after January 1, 2028, the medical loss ratio shall be at least 90 percent.
(1) For health plans issued or renewed on or after January 1, 2027, the medical loss ratio shall be at least 90 percent.
(2) The commissioner may require carriers to submit, in the form and level of detail specified by the commissioner, information regarding a carrier's calculation of medical loss ratios as part of a carrier's health plan rate filings for plan years beginning on or after January 1, 2027.
(2) The commissioner may adopt any rules necessary to implement this section.
Such information may include, but is not limited to:
(3) For the purposes of this section, "medical loss ratio" means the same as in 45 C.F.R.
(a) A carrier's reimbursement, payments, or other remuneration to a carrier's owned or affiliated health care providers, health care facilities, health care benefit managers, or other entities;
(b) A carrier's use of nonclaims-based payments, such as subcapitation or bundled payment methodologies;
and (c) A carrier's payments for quality improvement, risk mitigation, and other incentive-based activities.
p.
1 SHB 2283 (3) The authority granted by this section does not modify or limit the commissioner's rate review authority under RCW 48.43.733, 48.44.017, and 48.46.062.
(4) The commissioner may adopt any rules necessary to implement this section.
(5) For the purposes of this section, "medical loss ratio" means the same as in 45 C.F.R.
2 SHB 2283
1 HB 2283
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Action History

  1. House Rules "X" file.

  2. Returned to Rules Committee for second reading.

  3. Rules Committee relieved of further consideration. Placed on second reading.

  4. Referred to Rules 2 Review.

  5. Minority; without recommendation.

  6. Minority; do not pass.

  7. HCW - Majority; 1st substitute bill be substituted, do pass.

  8. Executive action taken in the House Committee on Health Care & Wellness at 8:00 AM.

  9. Public hearing in the House Committee on Health Care & Wellness at 1:30 PM.

  10. First reading, referred to Health Care & Wellness.

  11. Prefiled for introduction.

Sponsors

Sponsorship breakdown

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1 sponsors · 3 co-sponsors · 147 not signed on

Sponsors (1)

Co-sponsors (3)

Not signed on (147)

147 members have not signed on to this bill.

Show all 147 →

"Not signed on" means a member has not sponsored or co-sponsored this bill — it does not imply opposition. Members flagged Voted No have a recorded No vote on this bill.

Whip count is in markup. Polling the chamber and every recorded vote this session. Only the first open is slow. It’s instant for you after this. Calling the roll · Tallying · Engrossing

Subjects

healthcare health-insurance
Cross-referencing the record. Reading this bill against every other bill in the corpus by meaning, not keywords. Only the first open is slow. It’s instant for you after this. Matching · Ranking · Engrossing

Frequently asked questions

Who sponsors HB 2283?
HB 2283 is sponsored by Kristine Reeves (Democrat), Mari Leavitt (Democrat), Alicia Rule (Democrat), and Michelle Valdez (Republican).
What is the current status of HB 2283?
This bill has passed the House. Introduced January 07, 2026. It now moves to the second chamber.
Where can I track HB 2283?
Track HB 2283 free on One Click Politics — get push/email alerts when it moves.

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