Scored 8/10 on whether it helps or hurts everyday people.
The Creates Program Bill
South Carolina creates program to stop insurers from denying claims
Fair Claims Accountability Act
Good for everyday people ·
If passed, the bill would set up a help desk that forces health insurers to cover valid claims and punishes them for wrongfully denying coverage.
Our take
What we think, in plain words.
Consumers would get a new agency to fight bad insurance denials, while insurers would face double payouts and fines, making it cheaper for patients but costlier for companies.
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The facts
What the bill actually says, no spin.
- Creates the Healthcare Claims Consumer Assistance Program (H-CAP) in the Department of Consumer Affairs.
- H-CAP helps consumers file complaints, appeals, and understand insurance rights.
- Requires insurers to put a plain notice about H-CAP on all claim communications.
- Makes it illegal for insurers to wrongfully deny a valid claim.
- If a claim is wrongfully denied, the insurer must pay double the denied amount plus attorney fees.
- Allows the department to levy civil penalties up to $25,000 per violation.
- Allows additional penalties and possible license suspension for repeat offenders.
- Requires insurers to report denial data in a machine‑readable format.
- Penalty amounts are adjusted each year based on premium changes or inflation.
In the news
Scanning the news for this bill…
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Sources
Read it yourself: the official bill and records.
This bill is in the South Carolina Bill Book 2026
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