The Social Determinants of Health Spending Amendment Act of 2025 aims to amend the Reasonable Health Insurance Ratemaking and Health Care Reform Act of 2010 by allowing private insurers and Medicaid managed care organizations to include certain expenditures related to social determinants of health in their medical loss ratio calculations. Specifically, the bill introduces a new subsection (a-1) that permits insurers to account for evidence-based initiatives designed to improve health outcomes and reduce disparities among District residents. Eligible expenditures include initiatives addressing food insecurity, services for justice-involved individuals, and support for populations facing housing instability.

Additionally, the bill establishes a new definition for social determinants of health (SDOH) in subsection (g), which encompasses the various conditions in the environments where individuals live and age that influence health and quality of life. This definition aligns with the standards set by the Centers for Medicare and Medicaid Services and the Centers for Disease Control and Prevention. The act will take effect following the Mayor's approval and a 30-day congressional review period.