Connecticut legislature mandates malpractice insurance for medical professionals

The Connecticut State Legislature introduced House Bill 6979 on March 18, 2025, aimed at enhancing the professional liability insurance requirements for medical practitioners. The bill mandates that all licensed medical professionals providing direct patient care maintain a minimum level of professional liability insurance, set at $500,000 per occurrence and an aggregate of $1.5 million. This legislation seeks to address concerns regarding malpractice claims and ensure that patients are protected in the event of medical errors.

Key provisions of the bill include a requirement for insurance companies to report cancellations and refusals to renew professional liability policies to the Commissioner of Public Health. This transparency aims to provide oversight and accountability within the insurance market. Additionally, the bill outlines specific exemptions for healthcare providers working in tax-exempt clinics, provided they meet certain conditions, such as not charging patients for services and ensuring the clinic itself carries adequate insurance coverage.

The introduction of House Bill 6979 has sparked notable debates among lawmakers and stakeholders in the healthcare sector. Proponents argue that the bill is essential for safeguarding patient rights and enhancing the accountability of medical professionals. Critics, however, express concerns about the financial burden that increased insurance requirements may impose on healthcare providers, particularly in underserved areas where access to affordable insurance is already a challenge.

The implications of this bill extend beyond the immediate healthcare landscape. Economically, it could lead to increased insurance premiums, potentially affecting the cost of healthcare services. Socially, the bill aims to bolster patient confidence in the healthcare system, ensuring that individuals feel secure in seeking medical care without fear of inadequate recourse in the event of malpractice.

As House Bill 6979 progresses through the legislative process, its potential impact on the healthcare system and the broader implications for patient safety and provider accountability remain critical points of discussion. The bill's future will depend on ongoing negotiations and the ability of lawmakers to balance the interests of healthcare providers with the need for robust patient protections.