Senate Bill No. 1096 establishes new procedures for analyzing legislation that mandates changes to health benefit plans in Oklahoma. The bill defines key terms such as "Bureau," "Department," "Health benefit plan," "Legislative actuary," and "Mandate." It requires that any bill proposing a mandate be assigned to the appropriate legislative committee responsible for insurance legislation. If a majority of the committee votes in favor, an impact analysis must be conducted by the Insurance Department, which will evaluate the social, medical, and financial implications of the proposed mandate. The bill prohibits any mandate-related legislation from advancing without this analysis.

Additionally, the bill allows the Insurance Department to contract with third-party vendors for the analysis and limits the number of referrals for analysis to five per fiscal year, with any additional referrals requiring written approval from the Department. The findings from the impact analysis must be reported back to the Legislative Service Bureau within sixty days and shared electronically with relevant legislative members. The act is set to take effect on November 1, 2025.