HB 1635 amends the Insurance Code to refine the definition of "emergency care" for certain health benefit plans. It specifies that emergency care services include evaluations and stabilization of medical conditions of recent onset and severity, including severe pain, regardless of the final diagnosis. The definition ensures coverage in situations that a prudent layperson would believe to require immediate medical attention, such as threats to health, severe impairment, or harm to a fetus for pregnant women. These changes apply only to health benefit plans issued or renewed on or after January 1, 2026.