Georgia insurance laws
What Georgia has enacted on insurance, what each law requires, and what the bills still moving would do. Georgia is one of 51 states that enacted an insurance law in the 2025 and 2026 sessions.
5 new Georgia laws take effect in 2027
- Bills in scope
- 112bills in scope
- Past committee
- 57past committee
- Most recent action
- 12 May 2026most recent action
Insurance laws enacted in Georgia
23 insurance laws enacted in the Georgia Legislature in the 2025 and 2026 sessions, newest first. Each links to the legislature's own page.
- HB 1234State Employees' Assurance Department; assignment of certain group term life insurance benefits to pay for funeral services of a deceased individual who was a member of certain retirement systems; provisionsEnacted 12 May 2026
What it requires: The State Employees' Assurance Department shall pay group term life insurance benefits assigned by named beneficiaries to licensed funeral directors or embalmers to pay funeral services costs for deceased members of the Employees' Retirement System of Georgia, Georgia Legislative Retirement System, or Georgia Judicial Retirement System. Named beneficiaries must authorize assignments in writing with notarized funeral service contracts and death certificates.
Life insurance and annuities
What it requires: Admitted insurers must provide homeowners 60 days to cure conditions identified in adverse underwriting decisions based on aerial or satellite images, establish appeal processes, and offer renewal or rescission upon proof of correction. Insurers must include copies of images and correction standards in adverse decision notices.
Auto insurance, Licensing, solvency and market conduct
- HB 506Social services; Medicaid coverage for tobacco cessation treatments; provideTakes effect 1 January 2027
What it requires: Healthcare plans must cover emergency transport service as a covered service when requested by a first responder. Out-of-network ambulance providers must receive minimum reimbursement of the lesser of 325 percent of Medicare Part A or B rates or billed charges. Insurers must remit payment within 30 days of receiving a clean claim directly to the ambulance provider.
Health coverage and plan regulation
What it requires: The act authorizes pharmacists to dispense self-administered hormonal contraceptives or administer injectable hormonal contraceptives in certain circumstances. It requires insurers to provide minimum amounts of certain contraceptives. The act amends Titles 26, 33, and 49 of the Official Code of Georgia Annotated.
Health coverage and plan regulation
- SB 503Insurance; rental home marketplace guarantees from the definition of property insurance; exemptEnacted 11 May 2026
What it does: Revises the definition of 'health benefit policy' to exclude state-executed plans for state employees, public school teachers, Board of Regents members, and Medicaid recipients, effective January 1, 2027, contingent on appropriation of funds.
Licensing, solvency and market conduct
- HB 1128State Board of Workers' Compensation; notice of eligibility for compensation to an injured employee to his or her legal guardian; provideTook effect 1 July 2026
What it requires: The State Board of Workers' Compensation must notify injured employees or their legal guardians when it has reasonable cause to believe they are eligible peace officers, including contact information for the Georgia State Indemnification Fund. Law enforcement agencies must notify employees or their legal guardians of eligibility within ten days of injury.
Workers' compensation, surety and specialty lines
What it requires: The board of trustees shall assess participants in the Self-insurers Guaranty Trust Fund. Annual assessments against participants who have paid at least three prior assessments shall cease upon reaching a funded level of $25 million net of all liabilities. Participants pay $8,000 in their first year, then 1.5 percent of medical and indemnity benefits paid or $2,000 annually, whichever is greater, with a maximum of $8,000 per year.
Workers' compensation, surety and specialty lines
- HB 1374Insurance; methods of payment to healthcare providers; provide certain requirementsEnacted 5 May 2026
What it requires: A Health Insurer shall not terminate, remove, or exclude a participating provider from its network during a plan year if such action would cause a covered person to lose access to covered services from that provider.
Health coverage and plan regulation
- SB 444Private Review Agents; certain decisions with regard to the provision of insurance coverage for healthcare services shall not be based solely on artificial intelligence systems; provideTakes effect 1 January 2027
What it requires: Private review agents and utilization review entities must not issue adverse determinations based solely on artificial intelligence systems, artificial intelligence, or other software tools. A natural person qualifying as a private review agent or utilization review entity must conduct utilization review with clinical peer participation before any adverse determination, and such systems shall not supersede the clinical peer's judgment.
Health coverage and plan regulation, AI and data in underwriting and claims
- HB 197Insurance; health care provider to respond to a private review agent or utility review entity's attempt to discuss the patient's care; detail the effortTook effect 1 January 2026
What it requires: Before making an adverse determination on medical necessity, private review agents or utilization review entities must attempt to discuss the patient's care with the treating health care provider or their designee during normal working hours, using methods including direct contact, callback systems, or scheduled website communication. Health insurers using prior authorization must implement and maintain a program allowing selective reductions in prior authorization requirements based on healthcare provider performance, and must file program details with the department annually by July 1, 2026.
Health coverage and plan regulation
- SB 35Property Insurance Policies; notice required to be given a policyholder before the nonrenewal of his or her homeowners' insurance policy; increase the number of daysTook effect 1 January 2026
What it requires: Insurers must provide written notice of nonrenewal to policyholders at least 60 days before the nonrenewal becomes effective. Notice must be mailed or delivered in person to the named insured and lienholder, and must state the reason or reasons for nonrenewal.
Property, catastrophe and climate risk, Licensing, solvency and market conduct
- HB 196State employees' health insurance plan; drugs dispensed for self-administration; provisionsEnacted 1 July 2025
What it requires: On and after January 1, 2026, insurers must reimburse pharmacies for drugs dispensed to covered persons for self-administration under state health plans using the national average drug acquisition cost plus a professional dispensing fee of at least $10.50 for chain pharmacies and $11.50 for independent pharmacies. Insurers must not circumvent these reimbursement requirements through prescription drug discount cards or programs.
Health coverage and plan regulation
What it requires: The board must ensure that at least two high deductible health plans from different insurance providers are included in the state employees' health insurance plan by January 1, 2028, provided bids are cost neutral. By January 1, 2026, the board must ensure covered employees enrolled in such plans can make pretax contributions to health savings accounts through salary deductions. The State Accounting Office and state governmental entities must be authorized to deduct amounts designated by covered employees for health savings account contributions.
Health coverage and plan regulation
- HB 511Insurance; deductions from taxable income for contributions by taxpayers to catastrophe savings accounts and interest earned on such accounts; provideTook effect 1 July 2025
What it requires: Individual taxpayers may establish one catastrophe savings account and contribute up to specified limits based on their homeowner's insurance deductible or self-insurance status. Taxpayers may deduct contributions from taxable income, and interest earned is exempt from tax. Distributions are taxable unless used for qualified catastrophe expenses.
Property, catastrophe and climate risk
- SB 201Consumer Transactions; increased consumer protection for homeowners entering into contracts with contractors following natural disasters; provideEnacted 1 July 2025
What it requires: Contractors entering contracts with homeowners within one year of a natural disaster must substantially commence work within one year, complete work to state minimum standard codes or accredited industry standards, provide cancellation rights until the fifth business day after the homeowner receives notice of non-coverage from their insurer, and furnish specific written notice and detachable cancellation forms. Insurers must not sell homeowner's policies allowing assignment of proceeds to contractors within one year of a natural disaster.
Property, catastrophe and climate risk
- SB 276Recovery of Medical Assistance from Third Party; certain provisions to comply with federal law; reviseEnacted 1 July 2025
What it requires: Insurers, group health plans, managed care entities, pharmacy benefits managers, and other legally responsible parties must not refuse payment for healthcare items or services solely because prior authorization was not obtained. They must respond to Department of Community Health inquiries within 60 days and accept the department's authorization as their own.
Health coverage and plan regulation
- SB 5Private Review Agents; health insurers to implement and maintain a program that allows for the selective application of reductions in prior authorization requirements; provideTook effect 1 July 2025
What it requires: Each insurer that utilizes prior authorization requirements must implement and maintain a program allowing selective reductions in prior authorization requirements based on healthcare providers' performance and adherence to evidence-based medicine. Insurers must file program details with the department by July 1, 2026, and annually thereafter. Health benefit policies issued or renewed on or after July 1, 2025, must cover healthcare services for PANDAS and PANS when supported by nationally recognized clinical practice guidelines, subject to standard deductibles but not special deductibles.
Health coverage and plan regulation
- HB 348Insurance; expand lines of insurance or reinsurance in which a limited purpose subsidiary and captive insurance company may engageEnacted 1 June 2025
What it requires: No insurer shall engage in any scheme or artifice by which it transfers funds between affiliates or subsidiaries for the purpose of creating a false or misleading impression regarding the profitability of such insurer or its subsidiaries or affiliates.
Workers' compensation, surety and specialty lines
- SB 109Life Insurance; a policy of group life insurance from excluding or restricting liability for certain deaths occurring while an individual is an active duty service member; prohibitEnacted 1 June 2025
What it requires: Insurers shall not deliver or issue for delivery in this state any policy of group life insurance that excludes or restricts liability for death occurring while the insured is a service member of the regular or reserve component of the armed forces of the United States, unless such death results directly or indirectly from war, declared or undeclared, or any act or hazard of such war.
Life insurance and annuities
What it requires: Domestic stock and mutual insurers, fraternal benefit societies, and farmers' mutual fire insurance companies must file applications in triplicate with the Commissioner of Insurance. Agencies must obtain and renew licenses biennially based on origination month. Licenses must state the legal name of the licensee. Foreign insurers must maintain deposits of $100,000 for one class and $25,000 for each additional class, up to $200,000 total.
Licensing, solvency and market conduct
- SB 121Uninsured Motorist Coverage; minimum required under motor vehicle liability policies for a individual convicted of driving under the influence or reckless driving; increaseEnacted 14 May 2025
What it requires: An individual convicted of driving under the influence must maintain motor vehicle liability insurance with minimum coverage of $50,000 bodily injury per person, $100,000 per accident, and $50,000 property damage for three years. A second or subsequent conviction requires $100,000 per person, $300,000 per accident, and $100,000 property damage. Such individuals must carry proof of coverage while operating a motor vehicle.
Auto insurance
- SB 138Incorporation of Municipal Corporations; transition of certain services related to newly incorporated municipalities in certain counties; provideEnacted 14 May 2025
What it requires: Counties must provide police and law enforcement services to qualified municipalities within special districts and remit excess ad valorem taxes collected within 60 days of fiscal year end. Counties must transfer road rights of way control to qualified municipalities and continue maintaining them at county discretion. Counties must remit pro rata shares of taxes and fees and transfer permit application fees within 30 days.
Licensing, solvency and market conduct
- HB 94Insurance; medically necessary expenses for standard fertility preservation services when a medically necessary treatment for cancer, sickle cell disease, or lupus may directly or indirectly cause an impairment of fertility; require coverageEnacted 1 May 2025
Health coverage and plan regulation
Insurance in Georgia, by topic
Health coverage and plan regulation
55 bills, 10 enacted. Enacted in 47 states.
Licensing, solvency and market conduct
37 bills, 5 enacted. Enacted in 47 states.
Auto insurance
15 bills, 2 enacted. Enacted in 29 states.
Property, catastrophe and climate risk
8 bills, 3 enacted. Enacted in 31 states.
Workers' compensation, surety and specialty lines
8 bills, 3 enacted. Enacted in 45 states.
Life insurance and annuities
4 bills, 2 enacted. Enacted in 24 states.
AI and data in underwriting and claims
4 bills, 1 enacted. Enacted in 12 states.
Insurance bills in Georgia
The bills not yet law, furthest along first, with what each would do.
23Enacted
34Past committee
55Introduced or inactive
112 bills in scope
Past committee
25 of 34 shown
What it would do: Establishes the Georgia Community Health Worker Certification Committee to develop standards and requirements for certifying community health workers, approving training programs, and disciplining practitioners, with the committee's powers transferring to the Department of Public Health on June 30, 2030.
What it would do: Requires health benefit policies to cover colorectal cancer screening, examinations, and laboratory tests according to guidelines from the American Cancer Society, National Comprehensive Cancer Network, United States Preventive Task Force, or federal Centers for Medicare and Medicaid Services, as deemed appropriate by the attending physician.
What it would do: Amends Georgia's certificate of need exemptions to include health care facilities, services, and equipment dedicated primarily or exclusively to cancer treatment, subject to conditions including compliance with regulations, data reporting, and providing uncompensated care equal to at least 3 percent of adjusted gross revenue.
What it would do: Requires auto insurers to refund excess profits exceeding anticipated profit plus 6 percent of earned premiums; mandates ground ambulance coverage under healthcare plans with minimum reimbursement rates; requires life insurers to search policy locator systems quarterly and provide policyholders annual reports and beneficiary protections.
What it would do: Requires benefit providers to disclose within 30 days of written request a written accounting of all payments and reimbursements made to an injured party for a treating healthcare provider's services.
What it would do: Amends Georgia insurance law to create a limited license allowing retail vendors of portable electronics and consumer goods to sell portable electronics and consumer goods insurance policies without requiring employees to be licensed insurance producers.
What it would do: Requires health benefit policy declarations pages and premium billing notices to clearly show the policy deductible as a dollar amount and percentage, annual premium, state insurance premium tax as dollar amount and percentage, county and municipal taxes on insurance companies, and any fees, charges, or surcharges, effective January 1, 2027.
What it would do: Increases the maximum insurance deductible payable by individual unit owners in condominiums from $5,000 to $25,000 per casualty loss and requires associations to notify unit owners of material changes to master policy deductibles.
What it would do: Prohibits the Board of Community Health from entering into, executing, or renewing contracts with pharmacy benefits managers that own or have ownership interest in retail pharmacies, or with entities that contract with such pharmacy benefits managers, effective July 1, 2026.
What it would do: Requires Georgia life insurers to conduct quarterly policy locator searches, maintain updated records, and provide policyholders with rights including retaining original agents, accessing policy documents through authorized recipients, receiving annual status reports, and reporting beneficiary protection search results to the Commissioner.
What it would do: Requires health benefit policies, state employee health plans, and Medicaid to cover peripheral artery disease screening tests at least once every 12 months for at-risk individuals, effective January 1, 2027, subject to appropriations for state programs.
What it would do: Revises the definition of 'health benefit policy' to exclude state-executed health benefit plans for state employees, public school teachers and employees, and Board of Regents members and their dependents, effective January 1, 2027.
What it would do: Requires pharmacy benefits managers to reimburse eligible pharmacies for prescription drugs based on national average drug acquisition cost plus Georgia Medicaid's professional dispensing fee, excluding affiliate and specialty pharmacies, effective July 1, 2027.
What it would do: Amends Georgia's Surprise Billing Consumer Protection Act to require health insurance plans to cover emergency ground ambulance transportation as a covered service when requested by a first responder or healthcare practitioner, or when medically necessary, with minimum reimbursement rates of 300 percent of Medicare rates and copayment/coinsurance/deductible caps matching in-network rates.
What it would do: Increases monetary penalties the Georgia Insurance Commissioner may impose for violations of the Insurance Code related to mental health parity, general enforcement, surprise billing, and prepaid legal services plans from up to $2,000 to $10,000 per violation, or up to $5,000 to $25,000 when the violator knew or should have known of the violation.
What it would do: Requires the Department of Labor to contract with a qualified third-party actuary by October 1, 2026, to conduct an actuarial study on a state-based paid family and medical leave insurance program, modeling at least two program structures and delivering findings by January 15, 2027.
What it would do: Amends Georgia workers' compensation law to exclude employees of employers covered by and providing coverage under the federal Longshore and Harbor Workers' Compensation Act from Georgia's workers' compensation chapter.
What it would do: Requires health insurance policies to cover maternal mental health screening during pregnancy and 12 months postpartum, plus treatment for positive screens. Establishes Medicaid screening requirements at specific intervals and creates a pilot program for remote maternal mental health services, effective January 1, 2027, if appropriated.
What it would do: Requires health insurers to approve complete credentialing applications from healthcare providers within 45 days of receipt. Directs the Department of Insurance and Department of Community Health to establish a standardized credentialing application for use by all health insurers by July 1, 2027.
What it would do: Creates an independent insurance consumer advocate position within Georgia's insurance department to represent consumers and policyholders in rate proceedings and complaints. Prohibits unjustified rate increases, requires detailed documentation for rate filings increasing rates over 10 percent within 12 months, and eliminates the file-and-use system for private passenger automobile insurance.
What it would do: Requires admitted insurers using aerial or satellite images for residential property insurance decisions to provide notice with dated images showing specific violations, establish appeal processes, allow property owners 60 days to cure violations, and offer renewal if violations are corrected.
What it would do: Amends Georgia group life insurance law to authorize tax-exempt organizations qualifying under Internal Revenue Code Section 501(c)(3) to be beneficiaries of employee group life insurance policies issued to employers or trustees.
What it would do: Creates a limited insurance license allowing retail vendors of portable electronics and consumer goods to sell portable electronics and consumer goods insurance policies through their employees without requiring those employees to be licensed insurance producers, subject to supervising entity oversight and training requirements.
What it would do: Requires that when a private review agent or utilization review entity questions medical necessity of a healthcare service, a final adverse determination must be agreed to by a clinical peer licensed in Georgia and trained in a related specialty, and requires effort to discuss the patient's care with the treating provider.
What it would do: Requires the state health benefit plan to cover qualifying nonopioid pain management drugs with parity to opioid coverage regarding deductibles, copayments, and utilization review, and prohibits step therapy requiring opioid use before nonopioid drugs.
Showing the 25 furthest along of 89. Subscribers see all of them, filtered and searchable. Bill titles link to the Georgia 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 Georgia have an insurance law?
Yes. Georgia enacted 23 insurance laws in the 2025 and 2026 sessions, among them HB 1234, HB 1344 and HB 506. Each is listed on this page with what it requires.
When do Georgia's insurance laws take effect?
HB 1344 on 1 January 2027, HB 506 on 1 January 2027, HB 1138 on 1 January 2027, HB 1128 on 1 July 2026 and SB 444 on 1 January 2027. The others have no single date in their text.
Which insurance bills are moving in Georgia?
34 bills not yet law have passed a committee or a chamber, the furthest along SB 39 (passed chamber), HB 1211 (passed chamber) and HB 1263 (passed chamber).
What does Georgia legislate on most in insurance?
Health coverage and plan regulation (55 bills), Licensing, solvency and market conduct (37 bills) and Auto insurance (15 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 Georgia
- AI in Georgia30
- Alcohol in Georgia13
- Cannabis in Georgia20
- Children's Online Safety in Georgia7
- Cybersecurity in Georgia4
- Data center and energy in Georgia12
- Data Privacy in Georgia14
- Employment in Georgia42
- Healthcare in Georgia102
- Intellectual Property in Georgia8
- Packaging and PFAS in Georgia7
- Payments and fintech in Georgia8
- Rental housing in Georgia28
- Tobacco and nicotine in Georgia8
- Transportation in Georgia7
- All jurisdictions
Insurance legislation in other jurisdictions
52 more currently hold bills in this tracker
- New Jersey539
- New York481
- Texas314
- Massachusetts246
- Connecticut230
- Louisiana214
- Maryland208
- Missouri197
- Hawaii190
- Rhode Island188
- Mississippi187
- Florida185
- West Virginia175
- Illinois174
- Virginia158
- Montana155
- Oklahoma152
- Pennsylvania152
- California146
- Michigan137
- Iowa127
- 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 Georgia's insurance law changes
An alert when a bill moves, and one report a month on what changed in every state and Congress.