Committee advances bill to require private insurers to cover prosthetics, orthotics for people 21 and younger

The House Insurance Committee on Feb. 17 amended and advanced House Bill 406 to require private insurers renewing plans in Tennessee on or after July 1, 2026 to cover medically appropriate prosthetic and custom orthotic devices for individuals 21 and younger.

Chairman Martin described the intent: the bill would ensure children and young adults who require prosthetics or orthotics receive devices needed not only for basic mobility but for activities of daily living, including running, swimming and cycling. "This bill establishes a clear and reasonable coverage standard," he said, noting that current replacement timelines and limited device coverage can fail to meet growing children’s needs.

Warren Wells, testifying for the Tennessee Partnership for Affordable Health Care, told the committee he supports access to care but cautioned about employers’ costs. "The question is, you know, who pays for that and what is it gonna cost our employers and our employees?" Wells said, adding the fiscal note indicates a substantial cost but that he lacked an in-house actuary to provide specifics. Other members, including Representative Hale and Chairman Terry, emphasized human-impact and long-term productivity gains and voiced support for the bill despite concerns about premium pressure.

A member moved the previous question to close debate and the clerk recorded 14 ayes, 0 nays. House Bill 406, with amendment 012018 attached, moves to the Government Operations Committee for further consideration.