The Parity Enforcement Act of 2025 creates civil monetary penalties for health insurance plans and insurers that violate mental health and substance use disorder parity requirements. Currently, federal law requires that mental health and substance use disorder benefits be treated fairly compared to medical and surgical benefits, but enforcement mechanisms are limited. This bill strengthens enforcement by allowing penalties against plan sponsors, service providers, plan administrators, and insurance issuers that fail to comply with these parity rules. The legislation takes effect one year after enactment and applies to group health plans offered through employers. While the bill does not specify the penalty amounts, it empowers regulators to impose financial consequences for violations, giving them stronger tools to ensure that insurance coverage for mental health and addiction treatment is not unfairly restricted compared to other medical care.
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