Insurance Appeals by State

Every state has different prompt-payment windows and parity enforcement. Select your state to see the specific deadlines, statutes, and MHPAEA overlay for your appeals.

Strong state parity lawVerify statute (best-effort default)
AL
Alabama
30d *
AK
Alaska
30d *
AZ
Arizona
30d *
AR
Arkansas
30d *
CA
California
45d
CO
Colorado
30d
CT
Connecticut
30d *
DE
Delaware
30d *
DC
District of Columbia
30d *
FL
Florida
45d
GA
Georgia
30d *
HI
Hawaii
30d *
ID
Idaho
30d *
IL
Illinois
30d
IN
Indiana
30d *
IA
Iowa
30d *
KS
Kansas
30d *
KY
Kentucky
30d *
LA
Louisiana
30d *
ME
Maine
30d *
MD
Maryland
30d *
MA
Massachusetts
30d
MI
Michigan
45d
MN
Minnesota
30d *
MS
Mississippi
30d *
MO
Missouri
30d *
MT
Montana
30d *
NE
Nebraska
30d *
NV
Nevada
30d *
NH
New Hampshire
30d *
NJ
New Jersey
30d *
NM
New Mexico
30d *
NY
New York
45d
NC
North Carolina
30d *
ND
North Dakota
30d *
OH
Ohio
30d *
OK
Oklahoma
30d *
OR
Oregon
30d
PA
Pennsylvania
45d
RI
Rhode Island
30d *
SC
South Carolina
30d *
SD
South Dakota
30d *
TN
Tennessee
30d *
TX
Texas
45d
UT
Utah
30d *
VT
Vermont
30d *
VA
Virginia
30d *
WA
Washington
60d
WV
West Virginia
30d *
WI
Wisconsin
30d *
WY
Wyoming
30d *

* Best-effort default — verify against current state statute before citing in an appeal.

Why state law matters in 2025

In May 2025, the federal government announced non-enforcement of the 2024 MHPAEA Final Rule's NQTL provisions. However, the 2013 MHPAEA Final Rule (29 CFR § 2590.712) and the CAA 2021 § 203 disclosure duty remain in full force. More importantly, states with independent parity laws — California, New York, Massachusetts, Illinois, Oregon, Washington, and Colorado — continue to enforce NQTL standards that match or exceed the 2024 federal rule. If you practice in one of these states, your appeal rights are unaffected by the federal non-enforcement announcement.

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