The Luigi Mangione Act is a proposed California ballot initiative that could significantly transform healthcare insurance practices in the state. Here's what you need to know:

The initiative would make it illegal for insurance companies to:

• Delay, deny, or modify physician-recommended medical treatment if it could result in death, disability, or disfigurement
• Employ non-physicians to review or reject doctor-recommended care
• Override medical decisions without a licensed physician's approval

Key provisions of the act include:

• Allowing patients to sue insurance companies for triple damages plus legal fees if denial of care causes serious harm
• Making it a felony for insurers to reject physician-recommended treatment without clear, convincing evidence
• Requiring licensed physician approval for any treatment denials

The initiative, named after Luigi Mangione who was accused of killing a UnitedHealthcare executive, is currently under review with a public comment period open through April 25. If approved, it will move to the signature-gathering phase.

Supporters argue the act protects patients by preventing insurance companies from overriding doctor decisions. Critics worry about potential increases in healthcare costs and operational challenges.

If passed, this initiative would fundamentally change the relationship between patients, doctors, and insurance companies in California's healthcare system.

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