Each state sets its own deadline for paying a clean claim and its own penalty when a payer misses it. These pages cover ten states, with every figure linked to the statute or the state regulator.

To see what a late payer owes on a specific claim in any of these states, use the prompt pay interest calculator.

Prompt pay laws by state

• Arizona: A clean claim gets 30 days to adjudicate and 30 more to pay, with interest at the state’s legal rate.
• California: Since January 1, 2026, insurers and HMOs both have 30 calendar days, with 15% interest after that.
• Florida: Insurers and HMOs owe 12% simple interest after 20 days on electronic claims or 40 on paper.
• Georgia: Electronic claims are due in 15 working days, at 12% interest. Statute text was read from unofficial copies.
• Illinois: Commercial plans, HMOs, and Medicaid MCOs all have 30 days, with 9% interest on late claims.
• Nevada: AB 52 moved deadlines to 21 days electronic and 30 paper as of January 1, 2026, at 10% interest.
• New York: Interest is the greater of 12% or the corporate tax rate once 30 days (electronic) or 45 (paper) pass.
• Ohio: Only electronic claims are covered by default: 30 days to pay, then 18% annual interest.
• Pennsylvania: All clean claims get 45 days, and 10% interest applies to commercial insurers and HMOs.
• Texas: Late payers owe tiered penalties tied to billed charges after 30 days electronic or 45 paper.

Prompt pay only protects a claim that was filed on time. Check the filing window for each payer in our 2026 timely filing guide.