No federal law makes a health plan accept every provider, and only a few states have an any willing provider law that reaches most providers. What many states do have is a deadline for deciding a credentialing application, a provisional credentialing rule, and network adequacy standards a plan must meet. Self-funded employer plans fall outside state insurance law. Each guide covers what applies in that state, with every fact linked to its source; anything we could not confirm is marked as not verified rather than guessed.
Turned away by a closed panel? What a closed panel means and what you can do.
Verified October 10, 2026. This is general information, not legal advice; for advice on your situation, ask a healthcare attorney.
Compare every state
| State | Any willing provider | Credentialing deadline | Provisional credentialing |
|---|---|---|---|
| Alabama | Not verified | Not verified | Not verified |
| Alaska | Not verified | Not verified | Not verified |
| Arizona | Not verified | 60 days | Yes |
| Arkansas | Any willing provider law | 60 days | Not verified |
| California | Not verified | 90 days | Yes |
| Colorado | Not verified | 60 days | Yes |
| Connecticut | Not verified | Not verified | Not verified |
| Delaware | Not verified | 30 days | Yes |
| District of Columbia | Not verified | Not verified | Not verified |
| Florida | Not verified | Not verified | Not verified |
| Georgia | Limited any willing provider law | Not verified | Not verified |
| Hawaii | Not verified | Not verified | Not verified |
| Idaho | Limited any willing provider law | Not verified | Not verified |
| Illinois | Not verified | 60 days | Not verified |
| Indiana | Not verified | Not verified | Not verified |
| Iowa | Not verified | 56 days | Not verified |
| Kansas | Not verified | Not verified | Not verified |
| Kentucky | Any willing provider law | 45 days | Not verified |
| Louisiana | Not verified | 90 days | Yes |
| Maine | Not verified | 60 days | Not verified |
| Maryland | Limited any willing provider law | 30 days | Yes |
| Massachusetts | Not verified | 60 days | Not verified |
| Michigan | Not verified | 90 days | Not verified |
| Minnesota | Limited any willing provider law | 45 days | Not verified |
| Mississippi | Not verified | Not verified | Not verified |
| Missouri | Not verified | 60 days | Not verified |
| Montana | Not verified | Not verified | Not verified |
| Nebraska | Not verified | 60 days | Not verified |
| Nevada | Not verified | Not verified | Not verified |
| New Hampshire | Not verified | 30 days | Not verified |
| New Jersey | Not verified | 90 days | Not verified |
| New Mexico | Not verified | 30 days | Yes |
| New York | Not verified | 60 days | Yes |
| North Carolina | Not verified | 60 days | Yes |
| North Dakota | Not verified | Not verified | Not verified |
| Ohio | Not verified | 90 days | Not verified |
| Oklahoma | Not verified | 45 days | Not verified |
| Oregon | Not verified | 90 days | Yes |
| Pennsylvania | Not verified | 60 days | Not verified |
| Rhode Island | Not verified | 45 days | Yes |
| South Carolina | Not verified | Not verified | Not verified |
| South Dakota | Any willing provider law | 90 days | Not verified |
| Tennessee | Not verified | 90 days | Not verified |
| Texas | Limited any willing provider law | 90 days | Yes |
| Utah | Limited any willing provider law | 120 days | Not verified |
| Vermont | Not verified | 60 days | Not verified |
| Virginia | Limited any willing provider law | 60 days | Not verified |
| Washington | Not verified | 90 days | Not verified |
| West Virginia | Not verified | 120 days | Yes |
| Wisconsin | Not verified | 90 days | Not verified |
| Wyoming | Limited any willing provider law | 60 days | Not verified |
Want help with a rejection?
A rejection review is $249 and is credited toward a dispute; a dispute is $799 per payer. You pay a flat win fee only when a payer offers a contract or approves your credentialing. See every price.