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Preauthorization — the process where a health insurer must approve certain treatments, medications, or services before a patient receives them — gets a significant set of new rules under this bill. Health insurers must post their preauthorization requirements in plain language on their websites, publicly disclose whether they use artificial intelligence to review authorization requests, and make standard authorization decisions within seven calendar days (or 72 hours for urgent care). Insurers must honor approved authorizations for treating chronic or long-term conditions for at least 12 months, and for outpatient services for at least six months, before requiring patients to go through the process again. When an insurer denies a request, the reviewer must exercise independent medical judgment rather than relying solely on automated or algorithmic recommendations, and the denial notice must clearly list which specific billing codes were approved and which were denied. Insurers must also report more detailed data to the state Insurance Department, including prescription drug preauthorization statistics and average processing times.