Connecticut insurance laws
What Connecticut has enacted on insurance, what each law requires, and what the bills still moving would do. Connecticut is one of 51 states that enacted an insurance law in the 2025 and 2026 sessions.
5 new Connecticut laws take effect in 2027
- Bills in scope
- 230bills in scope
- Past committee
- 84past committee
- Most recent action
- 4 June 2026most recent action
Insurance laws enacted in Connecticut
25 insurance laws enacted in the Connecticut Legislature in the 2025 and 2026 sessions, newest first. Each links to the legislature's own page.
- SB 488AN ACT IMPLEMENTING THE TREASURER'S RECOMMENDATIONS FOR REVISIONS TO THE UNCLAIMED PROPERTY PROGRAM AND SECOND INJURY FUND.Took effect 1 July 2026
What it requires: Holders of unclaimed property must notify owners between July 1 and September 30 before presuming abandonment, report abandoned property to the Treasurer by March 31, and retain records for ten years. Holders of tangible personal property must sell it and remit proceeds within thirty days. Persons locating unclaimed property for fees cannot charge more than ten percent and must disclose terms clearly.
Life insurance and annuities, Workers' compensation, surety and specialty lines
- HB 5373AN ACT CONCERNING THE INSURANCE DEPARTMENT'S RECOMMENDATIONS FOR REVISIONS TO THE INSURANCE STATUTES.Took effect 1 October 2026
What it requires: Insurers must provide policyholders with premium billing notices at least thirty days before renewal. For personal risk policies with ten percent or more premium increases effective January 1, 2029, insurers must provide dollar impact or estimates of increases by primary factor. Health carriers cannot remove drugs from formularies or move drugs to higher cost-sharing tiers during plan years except under specified conditions.
Licensing, solvency and market conduct
- HB 5385AN ACT ESTABLISHING A TASK FORCE TO STUDY UNDUE DELAY IN WORKERS' COMPENSATION CLAIMS BY POLICE OFFICERS AND FIREFIGHTERS.Enacted 2 June 2026
What it does: Establishes a task force to study causes of undue delay in workers' compensation claims by police officers and firefighters, including administrative processing, medical provider availability, and insurer authorization requirements. The task force must submit findings and recommendations by January 1, 2027.
Workers' compensation, surety and specialty lines
What it requires: Issuers of long-term care insurance policies must maintain a loss ratio of at least sixty percent for individual policies and sixty-five percent for group policies. Issuers must not approve rate increases exceeding the average rate increase at precertification. Rate increases of twenty percent or more must be spread over at least three years. Issuers must provide policyholders thirty days to reduce benefits or elect affordable options.
Life insurance and annuities
- SB 87AN ACT ESTABLISHING A NONPROFIT PROVIDER ADVISORY BOARD AND PROHIBITING AUTO INSURANCE PENALTIES ON VOLUNTEER DRIVERS PROVIDING TRANSPORTATION TO NONPROFIT ORGANIZATIONS.Takes effect 1 January 2027
What it requires: Insurers must not refuse to renew automobile liability insurance policies, assign surcharges, or increase rates solely because the named insured or operator is a volunteer driver providing transportation without compensation to nonprofit corporations or charitable organizations. Insurers, health care entities, and contracting health organizations must not retroactively deny or recoup health insurance claims after twelve months from receipt of a clean claim, with limited exceptions.
Auto insurance
- HB 5374AN ACT CONCERNING HEALTH COVERAGE MANDATES FOR CERTAIN HEALTH CONDITIONS.Takes effect 1 January 2027
What it requires: Individual and group health insurance policies delivering coverage for chemotherapy on or after January 1, 2027 must provide coverage for scalp cooling systems at least equivalent to Medicare coverage. Policies cannot impose coinsurance, copayment, deductible or out-of-pocket expenses more restrictive than other benefits, except high deductible health plans are exempt from deductible limits. Prior authorization may be required on the same basis as other covered benefits.
Health coverage and plan regulation
- HB 5375AN ACT CONCERNING THE RECOMMENDATIONS OF THE INSURANCE AND REAL ESTATE COMMITTEE WORKING GROUPS.Takes effect 1 January 2028
What it requires: Health carriers, third-party administrators, and pharmacy benefits managers must ensure reimbursement processes and provider networks include pharmacists for covered clinical services. They must not deny reimbursement solely based on provider license type when the service is within a pharmacist's scope and otherwise eligible for reimbursement by other licensed providers.
What it requires: Contracting health organizations shall not cancel, deny, or demand return of payment for authorized covered services more than fifteen months after receipt of a clean claim, except for fraud, improper billing, duplicate payment, federal or state program payment, or coordination of benefits. Health organizations must provide thirty days' advance notice and establish an electronic appeal process. Hospital-based facilities located off-site from a hospital campus must submit their national provider identifier and federal tax identification number with each claim.
Health coverage and plan regulation
- HB 5003AN ACT CONCERNING WORKFORCE DEVELOPMENT AND WORKING CONDITIONS IN THE STATE.Took effect 1 October 2026
What it requires: Employers must provide applicants and employees with wage ranges and benefits descriptions before or at compensation discussions. Employers must not prohibit wage discussions, inquire about salary history without voluntary disclosure, or retaliate against employees exercising these rights. Health care providers and educators assaulted at work receive 100% wage replacement plus expenses.
What it requires: Captive insurance companies domiciled in Connecticut may convert into protected cells with the Insurance Commissioner's prior written approval. Sponsored captive insurance companies may establish and maintain protected cells with separate accounting, asset segregation, and restrictions on asset transfers between cells without commissioner approval.
Workers' compensation, surety and specialty lines
- HB 6435AN ACT CONCERNING THE INSURANCE DEPARTMENT'S AUTOMOBILE PHYSICAL AND PROPERTY DAMAGE ARBITRATION PROCESS.Took effect 1 October 2025
What it requires: Insurance companies licensed to write private passenger automobile insurance must participate in the Division of Consumer Affairs' arbitration procedure for disputes over automobile physical and property damage claims where liability and coverage are not disputed. Insurance companies must pay claimants the undisputed claim amount upon department notification that a complaint has been referred to arbitration.
Auto insurance
What it requires: Each pharmacy benefits manager must file an annual report with the commissioner by March 1, 2026 and annually thereafter, disclosing the aggregate dollar amount of rebates collected from pharmaceutical manufacturers for outpatient prescription drugs covered by health carriers, including rebates retained by the pharmacy benefits manager.
Health coverage and plan regulation
What it requires: The State Treasurer, in consultation with the Insurance Commissioner, must adopt regulations allocating Second Injury Fund liabilities between self-insured employers and insured employers based on a percentage of paid losses for the preceding calendar year. The State Treasurer must consider effects on business costs, workers' compensation system costs, insurers and insureds, and the fund's financial condition.
Health coverage and plan regulation
- HB 7192AN ACT IMPLEMENTING RECOMMENDATIONS OF THE BIPARTISAN DRUG TASK FORCE.Takes effect 1 October 2027
What it requires: Pharmacy benefits managers must owe fiduciary duty to health carriers or health benefit plan sponsors and notify them of conflicts of interest. Health carriers and pharmacy benefits managers cannot include certain provisions in pharmacy services contracts, including spread pricing arrangements and fees conditioned on wholesale acquisition cost, savings, or premiums. Health carriers must annually report pricing and profit information to the Insurance Commissioner.
Health coverage and plan regulation
What it requires: Mortgage lenders offering shared appreciation agreements must disclose to prospective borrowers within three business days of application: the agreement terms, financial information, fair market value methods, repayment examples under specified scenarios, appreciation calculations, and total cost expressed as annual percentage rate.
What it requires: Health carriers must file annual certifications with the Insurance Commissioner by March 1, 2026, and annually thereafter, certifying compliance with state and federal mental health and substance use disorder benefit reporting requirements. Insurance companies must limit step therapy to thirty days, prohibit mail order pharmacy requirements, and establish override processes for treating providers.
Health coverage and plan regulation
What it requires: Public adjusters must base any fee charged to an insured only on insurance settlement proceeds actually paid by the insurer and must collect the fee after the insurer has paid such proceeds. Public adjusters shall not charge or collect a fee if within thirty days of a loss to a structure covered by a fire insurance policy the insurer offers in writing to pay the full policy limits.
Licensing, solvency and market conduct
What it does: Removes the phrase 'The conversion to the Medicare resource-based relative value scale shall be revenue-neutral' from section 31-280(11)(B) of the general statutes concerning the Workers' Compensation Act.
Workers' compensation, surety and specialty lines
- HB 6434AN ACT CONCERNING THE LEGISLATIVE COMMISSIONERS' RECOMMENDATIONS FOR TECHNICAL REVISIONS TO THE INSURANCE-RELATED STATUTES.Enacted 23 June 2025
What it requires: Persons receiving a data call or subpoena from the Insurance Commissioner must comply with orders for production of books, records, papers or documents within thirty calendar days. Insurance policies must meet readability standards including a minimum Flesch reading ease score of forty-five and ten-point type.
Health coverage and plan regulation
- HB 6897AN ACT EXTENDING THE SUNSET DATE FOR PERSONAL RISK INSURANCE RATE FILINGS.Took effect 30 June 2025
What it requires: An insurer may file a rate for personal risk insurance with the Insurance Commissioner that takes effect upon filing, provided the rate does not exceed a six percent overall state-wide increase or decrease in the aggregate and does not exceed a fifteen percent increase in any individual territory. Not more than one filing may be made within any twelve-month period unless combined filings meet these same limits.
Licensing, solvency and market conduct
- HB 6981AN ACT CONCERNING ELECTRONIC POSTING OF CERTAIN DOCUMENTS BY INSURERS, NONRENEWAL OR CANCELLATION OF PROPERTY AND CASUALTY INSURANCE POLICIES, FEDERAL HOME LOAN BANKS AND THE INSURERS REHABILITATION AND LIQUIDATION ACT, HYPOTHECATION OF ASSETS AND SURPLUS LINES INSURANCE.Took effect 1 October 2025
What it requires: Insurers may post policies and endorsements on their websites instead of mailing them, provided they obtain the insured's agreement, keep policies accessible for the policy duration, retain expired policies for five years, and provide insureds with free paper copies upon request and the ability to opt out of electronic delivery.
Property, catastrophe and climate risk, Licensing, solvency and market conduct
- SB 1239AN ACT CONCERNING THE FALLEN HERO FUND AND PROVIDING HEALTH INSURANCE COVERAGE TO SURVIVORS OF FIRST RESPONDERS WHO ARE KILLED IN THE LINE OF DUTY.Took effect 1 July 2025
What it requires: Nonstate public employers must continue health insurance coverage for survivors of police officers or firefighters killed in the line of duty for one year, renewable annually up to five years. Employers must facilitate continuation and renewal. The Comptroller pays one hundred thousand dollar lump sum death benefits to surviving families from the Fallen Officer and Firefighter Fund.
Health coverage and plan regulation
- SB 9AN ACT CONCERNING THE ENVIRONMENT, CLIMATE AND SUSTAINABLE MUNICIPAL AND STATE PLANNING, AND THE USE OF NEONICOTINOIDS AND SECOND-GENERATION ANTICOAGULANT RODENTICIDES.Took effect 1 July 2025
What it requires: Insurance producers and surplus lines brokers must disclose flood insurance availability to individuals applying for personal risk insurance and obtain written acknowledgment. Creditors must notify mortgage applicants that standard homeowners insurance does not cover flood damage. Persons providing residential condition reports must provide flood disclosure notices. Municipalities must submit geospatial data on culverts and bridges. On and after January 1, 2026, no person shall sell, possess or use pesticides containing neonicotinoids except for agricultural plants or invasive invertebrate pests when no other effective control option exists.
- HB 6771AN ACT ESTABLISHING AN ALZHEIMER'S DISEASE AND DEMENTIA TASK FORCE, REQUIRING HEALTH INSURANCE COVERAGE FOR BIOMARKER TESTING AND CONCERNING TRANSFERS AND DISCHARGES IN RESIDENTIAL CARE HOMES, TUITION WAIVERS FOR NURSING HOME RESIDENTS WHO TAKE COURSES AT REGIONAL COMMUNITY-TECHNICAL COLLEGES AND CLOSURES AND EVACUATIONS OF RESIDENTIAL CARE HOMES AND NURSING HOMES.Took effect 1 October 2025
What it requires: Individual health insurance policies and group health insurance policies must provide coverage for biomarker testing for diagnosis, treatment, management or monitoring of disease or condition when clinical utility is demonstrated by FDA approval, Medicare determinations, or nationally recognized clinical practice guidelines. Entities must establish accessible processes for coverage exceptions and dispute resolution, and approve or deny prior authorization requests within seven days for non-urgent requests or seventy-two hours for urgent requests.
Health coverage and plan regulation
What it requires: Municipal employers and state employers must administer cancer compensation claims from firefighters and pay benefits from the firefighters cancer relief account in the same manner as workers' compensation claims. Firefighters diagnosed with specified cancers who meet eligibility criteria including five years of service, non-smoking status, and annual medical screenings may receive compensation and retirement or disability benefits.
Workers' compensation, surety and specialty lines
Insurance in Connecticut, by topic
Health coverage and plan regulation
129 bills, 9 enacted. Enacted in 47 states.
Licensing, solvency and market conduct
34 bills, 4 enacted. Enacted in 47 states.
Workers' compensation, surety and specialty lines
30 bills, 5 enacted. Enacted in 45 states.
Life insurance and annuities
19 bills, 2 enacted. Enacted in 24 states.
Property, catastrophe and climate risk
19 bills, 1 enacted. Enacted in 31 states.
Auto insurance
12 bills, 2 enacted. Enacted in 29 states.
AI and data in underwriting and claims
11 bills. Enacted in 12 states.
Insurance bills in Connecticut
The bills not yet law, furthest along first, with what each would do.
25Enacted
59Past committee
146Introduced or inactive
230 bills in scope
Past committee
25 of 59 shown
What it would do: Requires health insurers to reimburse outpatient services at equal rates regardless of facility location or provider affiliation within geographic regions, prohibits automatic claim downcoding without clinical peer review, limits step therapy to thirty days except for cancer and serious mental illness, and extends contract terms during disputes.
What it would do: Requires private health insurers and Medicaid to cover twelve-month supplies of FDA-approved prescription hormone therapy and contraceptives dispensed at one time, with exceptions for smaller requested supplies, provider instructions, or controlled substances.
What it would do: Regulates post-loss insurance benefit assignments for homeowners and commercial property policies, requiring written agreements with rescission rights, prohibiting deductible waivers, and establishing notice requirements before litigation. Also revises home improvement contractor licensing and prohibits certain advertising and solicitation practices.
What it would do: Modifies Medicaid step therapy requirements for prescription drugs to follow evidence-based manufacturer and FDA guidelines, or limit step therapy to thirty days maximum, after which prescribing practitioners may deem treatment clinically ineffective and require coverage of the prescribed drug.
What it would do: Requires a study of a Connecticut Option affordable health plan program; mandates health insurers cover generic drugs and biosimilars with lower cost-sharing than brand-name drugs when cheaper; creates tax credits up to $1,000 per employee for small businesses offering individual coverage health reimbursement arrangements; and permits portable benefit accounts for independent contractors.
What it would do: Requires an appropriation from the General Fund to cover the full cost of health care premium increases for persons enrolled in Access Health CT with household income between 500 and 600 percent of the federal poverty level.
What it would do: Requires persons issuing or renewing property or casualty insurance policies for fossil fuel infrastructure in Connecticut to assess a five percent surcharge on such policies beginning January 1, 2027, with surcharge revenues deposited into a climate resilience account for flood risk data, community awareness, and climate-resilient infrastructure grants.
What it would do: Extends workers' compensation coverage to state marshals performing state duties and allows state marshals working at least twenty hours weekly while performing certain service of process duties to participate in state health insurance plans at active employee rates if they lack equivalent employer coverage.
What it would do: Allows a tax deduction for long-term care insurance premiums paid in taxable years commencing January 1, 2026 and thereafter. Requires insurers to spread premium increases of 20% or more over at least three years, notify policyholders of options to reduce benefits, and hold public hearings for increases exceeding 10%.
What it would do: Establishes licensing and regulatory requirements for self-funded multiple employer welfare arrangement trusts in Connecticut, effective January 1, 2027, and requires the Office of Policy and Management to study the feasibility of creating a Connecticut Option program to reduce health insurance premiums.
What it would do: Requires the state to provide uninsured and underinsured motorist coverage under the State Fleet Insurance Policy to Department of Transportation employees by July 1, 2027, with bodily injury or death limits of not less than one million dollars for injuries arising out of employment when outside a motor vehicle.
What it would do: Effective October 1, 2026, adds witnessing a serious physical injury that does not result in death or permanent disfigurement as a qualifying event for post-traumatic stress injury workers' compensation coverage for police officers, firefighters, emergency medical services personnel, Department of Correction employees, telecommunicators, and all employees.
What it would do: Establishes a basic health program for Connecticut residents aged under 65 with household income between 133% and 200% of federal poverty level, funded by 95% of federal health insurance premium tax credits and cost-sharing reductions under the Affordable Care Act.
What it would do: Extends portal-to-portal workers' compensation coverage to public works department employees when subject to emergency calls while off duty, responding to direct orders during staff shortages, or after two or more consecutive mandatory overtime shifts, making injuries during travel between home and work compensable.
What it would do: Establishes a Fallen Officer and Investigator Fund providing one hundred thousand dollar lump sum death benefits to surviving families of correction officers and certain investigators killed in the line of duty, and extends state health insurance coverage to their surviving spouses and dependent children.
What it would do: Requires nonstate public employers to continue or apply for partnership plan health insurance coverage for survivors of unpaid volunteer firefighters killed in the line of duty for one year, renewable annually up to five years, reimbursed from the Fallen Hero Fund. Extends state employee health insurance coverage to surviving spouses and dependent children of state marshals who die from injuries received while serving temporary restraining orders.
What it would do: Requires the Insurance Commissioner to conduct a study on property and casualty insurance issues in the state and submit a report to the joint standing committee on insurance by January 1, 2027.
What it would do: Reduces the time period for contracting health organizations to cancel, deny, or demand return of payment for authorized covered services from eighteen months to twelve months after receipt of a clean claim, with specified exceptions, and requires thirty days' advance notice and an appeal process.
What it would do: Prohibits insurers from canceling or refusing homeowners or tenants policies based on service or therapy animal ownership, expands animal cruelty to a class D felony, allows courts to appoint advocates in animal welfare proceedings, and establishes a task force to study animal abuse registries and pretrial rehabilitation restrictions.
What it would do: Defines 'mortgage loan' as a loan secured by a first mortgage on one-to-four-family residential property in Connecticut made to finance purchase of such property, limiting flood insurance notice requirements to creditors making only these specified types of loans.
What it would do: Allows the insurance commissioner to send legal process notices and license suspension or revocation notices by email instead of mail, permits remote audits of third-party administrators, requires insurers to report agent terminations for cause within 30 days, and eliminates annual auto insurance fraud reporting requirements.
What it would do: Expands the Paid Family and Medical Leave Insurance Program to include school employees who do not hold professional certification, specifically non-certified employees of local or regional boards of education and nonpublic elementary or secondary schools, effective October 1, 2025.
What it would do: Prohibits insurers from charging increased premiums, canceling, or limiting homeowners or tenants insurance coverage based solely on dog breed, except for individual dogs designated as dangerous. Also prohibits discrimination based on service animals or therapy animals. Requires study of penalties for misrepresenting dogs as service animals.
What it would do: Requires the Insurance Commissioner to study the feasibility of nonprofit entities pooling liability insurance and establishing a captive insurance company, and to study homeowners insurance practices requiring property repairs or modifications as coverage conditions, with reports due February 1, 2026.
What it would do: Requires wheelchair and mobility scooter dealers to provide timely repair within ten business days and emergency repair services, and mandates Medicaid and private health insurance coverage for repairs, preventive maintenance, and delivery of parts.
Showing the 25 furthest along of 205. Subscribers see all of them, filtered and searchable. Bill titles link to the Connecticut Legislature's own page.
What counts as insurance legislation
In scope: Health coverage and plan regulation; auto; property and catastrophe; life and annuities; aI and data in underwriting; workers' compensation and specialty lines; and licensing, solvency and market conduct.
Questions
Does Connecticut have an insurance law?
Yes. Connecticut enacted 25 insurance laws in the 2025 and 2026 sessions, among them SB 488, HB 5373 and HB 5385. Each is listed on this page with what it requires.
When do Connecticut's insurance laws take effect?
SB 488 on 1 July 2026, HB 5373 on 1 October 2026, SB 478 on 1 July 2026, SB 87 on 1 January 2027 and HB 5374 on 1 January 2027. The others have no single date in their text.
Which insurance bills are moving in Connecticut?
59 bills not yet law have passed a committee or a chamber, the furthest along SB 342 (passed chamber), HB 5482 (passed chamber) and HB 5263 (passed chamber).
What does Connecticut legislate on most in insurance?
Health coverage and plan regulation (129 bills), Licensing, solvency and market conduct (34 bills) and Workers' compensation, surety and specialty lines (30 bills).
Are these summaries reviewed by a lawyer?
No. Which bills count as Insurance bills, and the line on what each law requires or each bill would do, are drafted by software from the bill's own text and not reviewed by an attorney. Every bill links to the legislature's own record: read the text before relying on it. The list covers bills from the 2025 and 2026 sessions.
Other practice areas in Connecticut
- AI in Connecticut34
- Alcohol in Connecticut25
- Cannabis in Connecticut51
- Children's Online Safety in Connecticut12
- Cybersecurity in Connecticut6
- Data center and energy in Connecticut9
- Data Privacy in Connecticut38
- Employment in Connecticut166
- Healthcare in Connecticut181
- Intellectual Property in Connecticut9
- Packaging and PFAS in Connecticut36
- Payments and fintech in Connecticut17
- Rental housing in Connecticut99
- Tobacco and nicotine in Connecticut16
- Transportation in Connecticut14
- All jurisdictions
Insurance legislation in other jurisdictions
52 more currently hold bills in this tracker
- New Jersey539
- New York481
- Texas314
- Massachusetts246
- Louisiana214
- Maryland208
- Missouri197
- Hawaii190
- Rhode Island188
- Mississippi187
- Florida185
- West Virginia175
- Illinois174
- Virginia158
- Montana155
- Oklahoma152
- Pennsylvania152
- California146
- Michigan137
- Iowa127
- Georgia112
- Kentucky109
- Tennessee99
- Indiana93
- Arizona91
- South Carolina86
- North Carolina80
- Minnesota78
- Oregon74
- Ohio70
- Utah70
- Arkansas68
- Washington67
- Kansas66
- Maine66
- New Hampshire63
- Nebraska60
- New Mexico59
- Colorado56
- Nevada54
- Congress48
- Wisconsin48
- Idaho47
- Alaska38
- Alabama32
- Delaware30
- North Dakota29
- Vermont29
- South Dakota21
- District of Columbia8
- Puerto Rico6
- Wyoming4
Know when Connecticut's insurance law changes
An alert when a bill moves, and one report a month on what changed in every state and Congress.