Idaho insurance laws

What Idaho has enacted on insurance, what each law requires, and what the bills still moving would do. Idaho is one of 51 states that enacted an insurance law in the 2025 and 2026 sessions.

Bills in scope
47bills in scope
Past committee
24past committee
Most recent action
2 April 2026most recent action

Insurance laws enacted in Idaho

15 insurance laws enacted in the Idaho Legislature in the 2025 and 2026 sessions, newest first. Each links to the legislature's own page.

  • H 900STATE AFFAIRS – Amends and adds to existing law to revise provisions regarding agreements by state agencies, to exempt certain records from disclosure, and to establish provisions regarding private insurance coverage and claims for state property.Took effect 1 July 2026

    What it requires: The director must complete four requirements before the state accepts any insurance settlement or payout exceeding one hundred thousand dollars for state property damage or loss: procure law enforcement reports or evidence of third-party liability, obtain damage assessments by qualified professionals, review insurance policy limits, and verify no secondary insurance is available. The director must pursue maximum recovery and obtain written concurrence from the affected agency before finalizing any settlement.

    Property, catastrophe and climate risk, Licensing, solvency and market conduct

  • H 929HEALTH CARE – Adds to existing law to establish provisions regarding certain out-of-pocket payments for health care services.Takes effect 1 January 2027

    What it requires: Health carriers must not prohibit health care providers from offering covered persons discounted cash prices for health care services. Health carriers must count out-of-pocket amounts paid by covered persons toward deductibles and annual maximum out-of-pocket expenses when the covered person negotiates a lower price than the plan's allowed amount and provides required documentation.

    Health coverage and plan regulation

  • H 931PORTABLE BENEFIT PLAN ACT – Amends language added by House Bill 645 regarding the Portable Benefit Plan Act.Took effect 1 July 2026

    What it does: Removes the definition of 'bank' from Section 44-2802 of Idaho Code and renumbers the remaining definitions in the Portable Benefit Plan Act. The act takes effect July 1, 2026.

  • H 648INSURANCE – Adds to existing law to establish provisions regarding coverage of anticancer medications under health benefit plans.Took effect 1 July 2026

    What it requires: Health benefit plans issued or renewed on or after January 1, 2027, must ensure that coverage for prescribed orally administered Food and Drug Administration-approved anticancer medications is subject to the same plan design cost sharing with respect to copayment, coinsurance, and deductible as injected or intravenously administered anticancer medications.

    Health coverage and plan regulation

  • H 788MEDICAID – Adds to existing law to establish provisions regarding Medicaid prior authorization exemptions for certain preceptorships.Took effect 1 July 2026

    What it requires: Eligible practitioners who provide 360 or more hours of preceptorship annually, with at least 60 percent in qualified rural or underserved areas, qualify for a 12-month exemption from prior authorization requirements for medically necessary services billed to Idaho Medicaid plans. Eligible practitioners must track and report preceptorship hours to the department of health and welfare.

  • H 562INSURANCE – Amends existing law to revise provisions regarding cancellation and nonrenewal of certain policies.Enacted 30 March 2026

    What it requires: Insurers must provide written notice to first-named insureds before canceling or not renewing commercial property, liability, and multiperil insurance policies. Cancellation requires thirty to sixty days' notice depending on reason; nonrenewal requires sixty days' notice. Insurers may only cancel after sixty days of coverage for specified reasons including nonpayment, fraud, material misrepresentation, hazard increase, or policy violations.

    Licensing, solvency and market conduct

  • S 1262INSURER INVESTMENTS – Amends existing law to revise provisions regarding miscellaneous insurer investments.Took effect 1 July 2026

    What it requires: An insurer may loan or invest its funds in kinds not otherwise specifically made eligible, prohibited, or ineligible by Idaho Code in an aggregate amount not exceeding the lesser of ten percent of an insurer's assets or seventy-five percent of an insurer's capital and surplus excluding surplus notes. Investments are limited to five percent of an insurer's assets in a single investment or entity. The insurer shall keep a separate record of all investments acquired under this section.

    Licensing, solvency and market conduct

  • H 645PORTABLE BENEFIT PLAN ACT – Adds to existing law to establish the Portable Benefit Plan Act.Took effect 1 July 2026

    What it requires: Portable benefit account providers must administer portable benefit accounts consistent with this chapter's requirements. Hiring parties may voluntarily contribute funds to independent contractors' portable benefit accounts. Contributions must not be treated as evidence of employment under employment security, worker's compensation, tax, or labor laws.

    Health coverage and plan regulation

  • H 160WORKER’S COMPENSATION – Amends existing law to define a public employer and a public corporation with respect to certain requirements regarding security for compensation.Took effect 1 July 2025

    What it requires: Every employer must secure payment of worker's compensation through one of three methods: insuring with an authorized insurer, becoming self-insured with industrial commission approval and depositing security with the state treasurer, or for public employers, insuring with the state insurance fund unless refused. Public employers are defined to include cities, counties, and school districts until July 1, 2030.

    Workers' compensation, surety and specialty lines

  • H 345MEDICAID – Amends, repeals, and adds to existing law to provide that legislative approval is required for certain state plan amendments and waivers and to provide legislative approval for certain state plan amendments and waivers.Enacted 20 March 2025

    What it requires: The state department of health and welfare must obtain legislative approval before seeking or implementing any Medicaid state plan amendment or waiver under sections 1115 or 1915 of the Social Security Act that would expand coverage to additional individuals or increase net state costs. The department must submit specific state plan amendments and waivers by July 1, 2026, regarding work requirements, cost-sharing, managed care, and other provisions.

  • S 1131APPROPRIATIONS – DEPARTMENT OF INSURANCE – Relates to the appropriation to the to the Department of Insurance for fiscal year 2026.Took effect 1 July 2025

    What it does: Appropriates $533,400 to the Department of Insurance for fiscal year 2026, including $323,100 for Insurance Regulation and $210,300 for State Fire Marshal operations. Authorizes two additional full-time equivalent positions for the same period.

  • H 38INSURANCE – Amends existing law to revise provisions of the Idaho Life and Health Insurance Guaranty Association Act.Took effect 1 July 2025

    What it requires: The Idaho Life and Health Insurance Guaranty Association must provide coverage for specified life, health, and annuity policies and contracts issued by member insurers, subject to defined coverage limitations and exclusions. Member insurers must pay authorized and called assessments to fund the association's obligations.

    Workers' compensation, surety and specialty lines

  • H 65WORKER’S COMPENSATION – Amends existing law to move the definition of “member of an employer’s family.”Took effect 1 July 2025

    What it does: Moves the definition of 'member of an employer's family' from Section 72-212 to Section 72-102, and updates cross-references in Sections 9-203, 72-438, and 72-451 to reflect this change.

    Workers' compensation, surety and specialty lines

  • H 71ACQUISITIONS OF CONTROL AND INSURANCE HOLDING COMPANY SYSTEMS – Amends and adds to existing law to revise and establish provisions regarding insurance holding company systems.Enacted 14 March 2025

    What it requires: Insurers in insurance holding company systems must register with the director and file annual group capital calculations and liquidity stress test results according to NAIC instructions. Ultimate controlling persons must file enterprise risk reports. Affiliates must maintain records segregated from the insurer's and subject to the insurer's control.

    Licensing, solvency and market conduct

  • H 116INSURANCE – Amends and repeals existing law to remove the Idaho Small Employer Carrier Reinsurance Program.Took effect 1 July 2025

    What it does: Repeals the Idaho Small Employer Carrier Reinsurance Program and related provisions, removes definitions and code references associated with that program, and makes technical corrections to insurance statutes governing small employer and individual health benefit plans.

    Health coverage and plan regulation

Insurance in Idaho, by topic

Insurance bills in Idaho

The bills not yet law, furthest along first, with what each would do.

15Enacted

1Cleared both chambers

8Past committee

23Introduced or inactive

47 bills in scope

Cleared both chambers

1

HCR 30COMPREHENSIVE MEDICAID MANAGED CARE – States findings of the Legislature and directs the Medicaid Review Panel to study the implementation of comprehensive Medicaid managed care.Passed both

What it would do: Directs the Medicaid Legislative Review Panel to study the impact of and provide guidance and recommendations on implementing comprehensive Medicaid managed care in Idaho, and authorizes the panel to retain a consultant with prior legislative approval.

Past committee

8

H 613POLLING PLACES – Amends existing law to provide for the securing of liability insurance coverage for private facilities used as polling places and to limit liability for private facilities used as polling places on election day.Passed chamber

What it would do: Provides liability immunity for election workers and volunteers at private nonprofit polling places, requires the state to purchase commercial liability insurance for private facilities designated as polling places, and exempts such polling place use from affecting tax-exempt status.

HR 32RULE APPROVAL – HOUSE BUSINESS COMMITTEE – States findings of the House of Representatives and provides that all temporary and pending rules of the Idaho Department of Insurance and the Division of Occupational and Professional Licenses have been reviewed and approved by the House Business Committee, with exceptions.Passed chamber

What it would do: The House of Representatives approves all temporary and pending rules of the Idaho Department of Insurance and Division of Occupational and Professional Licenses reviewed by the House Business Committee, except IDAPA 24.39.30 (Building Safety Rules). One pending rule becomes effective at sine die.

H 530INSURANCE – Adds to existing law to establish provisions regarding coverage of anticancer medications under health benefit plans.Passed committee

What it would do: Requires health benefit plans covering FDA-approved anticancer medications to either cap copayments/deductibles/coinsurance for oral anticancer drugs at the same level as injected or intravenous versions, or limit out-of-pocket costs to $250 per 30-day supply for oral medications.

S 1319INSURANCE – Adds to existing law to establish the Emergency Care Affordability Act.Passed chamber

What it would do: Requires out-of-network freestanding emergency rooms to accept the health benefit plan's in-network allowed amount as payment in full for emergency services and prohibits balance billing to covered persons, with enforcement provisions including attorney's fees liability.

H 117INSURANCE DATA SECURITY ACT – Adds to existing law to establish the Insurance Data Security Act in the event of cybersecurity attacks.Passed committee

What it would do: Establishes the Insurance Data Security Act requiring Idaho-licensed insurers and producers to develop information security programs, investigate and report cybersecurity events to the director within ten business days, and notify affected consumers without unreasonable delay.

HCR 16INSURANCE – States findings of the Legislature and authorizes the Legislative Council to appoint a committee to undertake a study of the property insurance market in Idaho.Passed committee

What it would do: Authorizes the Legislative Council to appoint a committee to study Idaho's property insurance market and explore strategies to stabilize it and increase accessibility and affordability. The committee shall report findings and recommendations to the next legislative session.

HR 12RULE APPROVAL – HOUSE BUSINESS COMMITTEE – States findings of the House of Representatives and provides that all temporary and pending rules of the Idaho Department of Insurance and the Division of Occupational and Professional Licenses have been reviewed and approved by the House Business Committee, with exceptions.Passed chamber

What it would do: The House of Representatives approves all temporary and pending rules of the Idaho Department of Insurance and Division of Occupational and Professional Licenses reviewed during the 2025 legislative session, except for specified subsections in three rule dockets.

H 265LIFE INSURANCE – Amends existing law to provide that certain policy owners may request additional notice of lapse or termination by certified mail.Passed committee

What it would do: Allows policy owners of individual life insurance policies with face amounts exceeding $50,000 to request lapse or termination notices by certified mail with return receipt, requiring written request at least 90 days prior and insurer acknowledgment, with notice sent at least 10 days before lapse or termination.

Introduced or inactive

16 of 23 shown

S 1425WORKER’S COMPENSATION – Amends existing law to revise the definition of “first responder” as it relates to psychological accidents and injuries.Introduced

What it would do: Revises the definition of 'first responder' under Idaho worker's compensation law to include coroners, medicolegal death investigators, and their employees whose duties primarily involve determining cause and manner of death, making post-traumatic stress injury compensable for these workers.

H 881INSURANCE – Amends existing law to revise provisions regarding notice of lapse or termination of individual life insurance.Introduced

What it would do: Requires insurers to notify policy owners annually of rights to designate a person to receive lapse or termination notices, and extends the notice period from 14 to 60 days before policy lapse or termination for nonpayment of premium.

H 841INSURANCE – Adds to existing law to establish the Idaho Prior Authorization Reform Act.Introduced

What it would do: Establishes the Idaho Prior Authorization Reform Act requiring health insurance issuers to disclose prior authorization requirements, implement electronic APIs, make decisions within 7 calendar days for standard requests and 72 hours for expedited requests, and comply with various approval, appeal, and notification standards.

H 844HEALTH INSURANCE – Amends existing law to revise provisions regarding enhanced short-term plansIntroduced

What it would do: Amends Idaho Code to allow enhanced short-term health plans to be renewed for a maximum total duration of thirty-six months or the maximum duration under federal regulation, whichever is greater, and allows carriers to offer enrollment year-round, during open enrollment, or special enrollment periods.

H 829PROMPT PAYMENT OF CLAIMS – Amends and adds to existing law to revise and establish provisions regarding prompt payment of insurance claims.Introduced

What it would do: Revises Idaho insurance claim payment requirements by establishing timeframes for electronic and paper claims, defining complete claims, setting interest penalties for late payments, prohibiting insurer retaliation, requiring disclosure of automated decision tools, and applying these provisions to all provider contracts on or after July 1, 2026.

S 1367PHARMACY BENEFIT MANAGERS – Amends and adds to existing law to establish provisions regarding dispensing fees and to establish duties and restrictions pertaining to pharmacy benefit managers and third-party payers.Introduced

What it would do: Establishes minimum reimbursement rates for independent pharmacies based on drug acquisition cost plus a $12.35 dispensing fee adjusted annually for inflation, and imposes duties and restrictions on pharmacy benefit managers regarding pricing transparency, network adequacy, rebate pass-through, and prohibited practices.

H 818FERTILITY PRESERVATION – Adds to existing law to establish provisions regarding fertility preservation services.Introduced

What it would do: Requires group and individual health benefit plans to cover fertility preservation services (collection and preservation of sperm, unfertilized oocytes, and ovarian tissue) for covered persons receiving medically necessary cancer treatment that may impair fertility, as established by the American Society of Clinical Oncology or American Society for Reproductive Medicine.

H 769MOTOR VEHICLE FINANCIAL RESPONSIBILITY – Adds to existing law to establish provisions regarding appraisals by competent and disinterested appraisers and to establish a dispute resolution process.Introduced

What it would do: Requires automobile insurers licensed in Idaho to include appraisal provisions in policies allowing policyholders and insurers to resolve disputes over actual cash value, loss amounts, or settlement offers through competent disinterested appraisers and an umpire dispute resolution process.

H 770MOTOR VEHICLE FINANCIAL RESPONSIBILITY – Amends existing law to revise the amount of required motor vehicle insurance relating to property damage.Introduced

What it would do: Increases required motor vehicle property damage insurance from $15,000 to $25,000 per accident in Idaho Code sections 49-117 and 49-1229, effective July 1, 2026.

H 729IDAHO DENTAL PLAN TRANSPARENCY ACT – Adds to existing law to establish the Idaho Dental Plan Transparency Act.Introduced

What it would do: Establishes the Idaho Dental Plan Transparency Act requiring dental health care service plans to file annual dental loss ratio reports with the Idaho Department of Insurance beginning in 2027, with the department publishing and making this data publicly searchable by January 1 each year.

H 713INSURANCE – Adds to existing law to establish cost-sharing requirements for health benefit plans.Introduced

What it would do: Requires insurers to include cost-sharing amounts paid by enrollees and third parties when calculating an enrollee's contribution to copayments, coinsurance, deductibles, or annual limitations for health benefit plans effective January 1, 2027, except for prescription drugs with medically appropriate generic equivalents.

H 644INSURANCE – Amends, repeals, and adds to existing law to establish the Idaho Travel Insurance Act.Introduced

What it would do: Establishes the Idaho Travel Insurance Act creating a comprehensive regulatory framework for travel insurance sales in Idaho, including provisions for premium taxes, travel protection plans, sales practices, travel administrators, and policy classification standards.

H 655MEDICAID – Adds to existing law to establish provisions regarding Medicaid prior authorization exemptions for certain preceptorships.Introduced

What it would do: Exempts physicians in primary care, psychiatry, or obstetrics and gynecology from Medicaid prior authorization requirements for 12 months if they provide 360+ hours of preceptorship annually with at least 60% in qualified rural areas, limited to 100 physicians per specialty per year.

H 618INSURANCE – Adds to existing law to establish provisions regarding transparency requirements for certain insurers.Introduced

What it would do: Requires fire insurers to submit complete rate filings 60 days before use, including wildfire risk models and actuarial justifications. Mandates insurers disclose mitigation discounts, wildfire risk scores, and explanations on websites and in written notices to policyholders and applicants.

H 619WILDFIRE RISK MITIGATION – Amends and adds to existing law to provide for the Idaho Wildfire Risk Mitigation Fund Act.Introduced

What it would do: Creates the Idaho Wildfire Risk Mitigation Fund to reduce wildfire risks and lower property insurance costs. The fund receives excess premium tax revenues exceeding $125,000,000 and distributes grants up to $20,000 per recipient for wildfire risk mitigation.

H 611INSURANCE – Adds to exsiting law to establish the Idaho Prior Authorization Refom Act.Introduced

What it would do: Establishes the Idaho Prior Authorization Reform Act requiring health insurance issuers to disclose prior authorization requirements, implement standardized electronic authorization processes by January 1, 2027, make determinations within five calendar days for standard requests and 24 hours for expedited requests, and comply with various other procedural and transparency requirements.

Showing the 25 furthest along of 32. Subscribers see all of them, filtered and searchable. Bill titles link to the Idaho Legislature's own page.

What LawSignals covers

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 Idaho have an insurance law?

Yes. Idaho enacted 15 insurance laws in the 2025 and 2026 sessions, among them H 900, H 929 and H 931. Each is listed on this page with what it requires.

When do Idaho's insurance laws take effect?

H 900 on 1 July 2026, H 929 on 1 January 2027, H 931 on 1 July 2026, H 648 on 1 July 2026 and H 788 on 1 July 2026. The others have no single date in their text.

Which insurance bills are moving in Idaho?

9 bills not yet law have passed a committee or a chamber, the furthest along HCR 30 (passed both), H 613 (passed chamber) and HR 32 (passed chamber).

What does Idaho legislate on most in insurance?

Health coverage and plan regulation (17 bills), Licensing, solvency and market conduct (12 bills) and Workers' compensation, surety and specialty lines (5 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 Idaho

Insurance legislation in other jurisdictions

52 more currently hold bills in this tracker

Know when Idaho's insurance law changes

An alert when a bill moves, and one report a month on what changed in every state and Congress.

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