Indiana insurance laws
What Indiana has enacted on insurance, what each law requires, and what the bills still moving would do. Indiana is one of 51 states that enacted an insurance law in the 2025 and 2026 sessions.
- Bills in scope
- 93bills in scope
- Past committee
- 34past committee
- Most recent action
- 5 March 2026most recent action
Insurance laws enacted in Indiana
22 insurance laws enacted in the Indiana Legislature in the 2025 and 2026 sessions, newest first. Each links to the legislature's own page.
What it requires: Health carriers may not assess health provider facilities or providers an administrative fee related to provision of care to an individual involving an out of network provider.
Health coverage and plan regulation, Licensing, solvency and market conduct
What it requires: Insurers must mail notice of nonrenewal to insureds at least 60 days before policy expiration for automobile and residential policies. Insurers must respond within 30 days to insured requests for explanations of material changes to personal automobile or homeowner's policies. Insureds have 30 days to request such explanations.
Health coverage and plan regulation, Auto insurance, Property, catastrophe and climate risk, Workers' compensation, surety and specialty lines, Licensing, solvency and market conduct
What it requires: Hospitals must provide written notice of payment assistance programs during registration, at discharge, and with initial billing statements; post conspicuous signage in registration areas, financial counseling offices, and emergency departments; make program information available through patient portals; and before beginning collection action, determine eligibility and notify individuals of available programs. Insurers and health maintenance organizations may not use downcoding to prevent providers from submitting claims for actual services performed or retroactively reduce CPT code reimbursement rates.
Health coverage and plan regulation, Licensing, solvency and market conduct
What it requires: An intermediary connecting a student with an employer for work based learning must obtain employer liability insurance, worker's compensation insurance, and other necessary insurance, ensure compliance with course requirements and applicable laws, and assume liability for legal or administrative claims arising from the student's employment. An insurer may not deny, refuse to renew, add surcharges, impose exclusions, require supplemental insurance, or restrict coverage based solely on a student being under eighteen or enrolled in a work based learning course.
Workers' compensation, surety and specialty lines
What it requires: State employee health plans, policies of accident and sickness insurance, and health maintenance organizations that provide coverage for advanced, metastatic cancer and associated conditions may not require that an insured or covered individual fail to successfully respond to a different prescription drug or prove a history of failure of a different prescription drug before providing coverage for a qualifying prescription drug.
Health coverage and plan regulation
What it requires: An insurer may not require an insured or prospective insured to post or display a gun free zone notice. This applies to property and casualty insurance policies issued, delivered, entered into, renewed, or amended after June 30, 2026.
Licensing, solvency and market conduct
What it requires: Local unit public employers must provide group health insurance to public safety employees who become disabled on or after January 1, 2020 and receive Class 1 or Class 2 impairment benefits. Disabled employees must file a written request before June 1, 2026, or within 90 days after receiving disability benefits, whichever is later, and must pay the same premium amount as active employees. Surviving spouses and dependents of public safety employees who die in the line of duty must pay the same premium amount as active employees for coverage they select.
Health coverage and plan regulation, Workers' compensation, surety and specialty lines
What it requires: Clinical laboratories and diagnostic imaging facilities must post pricing information on their websites by December 31, 2025, including service descriptions and standard charges by payer category. Hospitals and ambulatory surgical centers must submit claims with appropriate place of service codes. Providers must provide patients written lists of services received and intended to be billed upon discharge.
Health coverage and plan regulation, Licensing, solvency and market conduct
What it requires: Financial institutions and insurance companies must transfer funds directly to charitable organizations designated as beneficiaries of retirement accounts, transfer on death accounts, annuities, or life insurance policies upon receipt of a specified affidavit. They must not require personal information about the organization's employees or officers, nor require the organization to become a customer.
Life insurance and annuities
What it requires: The bureau of motor vehicles must issue electronic certificates of registration and may issue temporary registration permits at its discretion. Insurance companies must apply for salvage titles within forty-five days and may submit signed or unsigned certificates of title. The bureau must maintain a secure online insurance verification system by January 1, 2028.
Auto insurance
What it requires: Consumer genetic testing providers must obtain freely given, specific, informed, and unambiguous consent before performing additional testing, using biological material for other purposes, providing third-party access, retaining material or data beyond thirty days, disseminating marketing based on results, or sharing service usage information. Providers must implement commercially reasonable security measures, allow individual data access, provide revocation procedures, and may never provide non-deidentified genetic data to insurers, insurance data providers, or employers.
What it requires: State employee health plans, policies of accident and sickness insurance, and health maintenance organization contracts must provide reimbursement for emergency medical services performed by certified advanced life support provider organizations during 911 responses or as part of mobile integrated healthcare programs. Managed care organizations and providers may agree in writing to different reimbursement rates for emergency department services, subject to secretary review.
Health coverage and plan regulation, Licensing, solvency and market conduct
What it requires: A health plan must credit toward a covered individual's deductible and annual maximum out-of-pocket expenses any amount the covered individual pays directly to a health care provider for a medically necessary covered health care service if no claim is submitted and the amount paid is less than the health plan's average discounted network rate. A health plan must establish a procedure for claiming credits, identify required documentation, and publish average discounted rates on its website.
Health coverage and plan regulation
What it requires: Hospitals must file annual financial reports within 120 days of fiscal year end, including ownership information for persons or entities with at least 5% ownership interest, controlling interest, or private equity partnership interest. Health care entities, insurers, third party administrators, and pharmacy benefit managers must report similar ownership information to the secretary of state or department of insurance.
Health coverage and plan regulation, Licensing, solvency and market conduct
What it requires: Ambulatory pharmacies must provide dispensing cost data to the Indiana board of pharmacy before March 1, 2027, and March 1 of every other year thereafter. Insurers, pharmacy benefit managers, and other pharmacy benefit administrators must ensure networks are reasonably adequate and accessible, file annual reports, and comply with minimum reimbursement requirements and prohibitions on retroactive denials and discriminatory practices.
Health coverage and plan regulation
What it requires: Utilization review entities must not require prior authorization for the first twelve physical therapy or chiropractic visits of each new episode of care. Insurers must not deny claims for covered services solely because the referring provider is out of network. Utilization review entities must respond to prior authorization requests within specified timeframes and may not deny authorized claims except for fraud, materially incorrect information, or other enumerated grounds.
Health coverage and plan regulation
What it requires: The office of the secretary of family and social services must reapply to the United States Department of Health and Human Services before September 1, 2025, for a state plan amendment establishing a long term care partnership program and discontinuing the current long term care program. If approved, the office must implement the amendment within sixty days and publish notice in the Indiana Register.
Health coverage and plan regulation
What it requires: After June 30, 2025, a party may not prohibit an employer from bidding on a contract solely based on the employer's experience rating. Insurance companies must revise an insured party's prior experience ratings after making a successful subrogation claim, ensuring the insured receives a monetary benefit equivalent to the amount recovered.
Workers' compensation, surety and specialty lines
What it requires: Any third party administrator, pharmacy benefit manager, employee benefit consultant, or insurance producer acting on behalf of a plan sponsor owes a fiduciary duty to the plan sponsor.
Health coverage and plan regulation
What it requires: Issuers of Medicare supplement policies or certificates must not deny, condition the issuance or effectiveness of, or discriminate in pricing based on health status, claims experience, receipt of health care, or medical condition for applicants who are at least sixty-five years old and either apply within six months of first enrolling in Medicare Part B, or apply within sixty days of their birthday to switch to the same lettered plan type.
Health coverage and plan regulation
What it requires: Sheriffs must assist individuals incarcerated at least 30 days in county jails or specified juvenile facilities in applying for Medicaid if eligible, before release. Insurers must respond to Medicaid claim inquiries within 60 days and cannot deny claims solely for lack of prior authorization. Child care providers must ensure at least one adult certified in pediatric CPR is present when children are in care.
Health coverage and plan regulation
What it requires: For losses after June 30, 2025, transferees of a named insured's insurable interest through a transfer on death deed become insureds under the named insured's property and casualty or liability insurance policy for sixty days following the insured's death, succeeding to the insured's rights and obligations to the extent of the transferred interest.
Property, catastrophe and climate risk
Insurance in Indiana, by topic
Health coverage and plan regulation
66 bills, 15 enacted. Enacted in 47 states.
Licensing, solvency and market conduct
15 bills, 7 enacted. Enacted in 47 states.
Workers' compensation, surety and specialty lines
7 bills, 4 enacted. Enacted in 45 states.
Auto insurance
6 bills, 2 enacted. Enacted in 29 states.
Life insurance and annuities
6 bills, 1 enacted. Enacted in 24 states.
Property, catastrophe and climate risk
5 bills, 2 enacted. Enacted in 31 states.
AI and data in underwriting and claims
4 bills. Enacted in 12 states.
Insurance bills in Indiana
The bills not yet law, furthest along first, with what each would do.
22Enacted
12Past committee
59Introduced or inactive
93 bills in scope
Past committee
12
What it would do: Requires a county to offer its group insurance program to each county elected official if the county offers such a program to county employees and at least one county elected official. Effective July 1, 2026.
What it would do: Beginning January 1, 2028, requires health carriers to implement a shopping and decision support program providing incentives to covered individuals who choose lower-cost network providers, with incentives calculated as at least 50% of the health carrier's savings. Requires health carriers to provide an interactive member portal by December 1, 2027, enabling individuals to compare out-of-pocket costs and provider quality information.
What it would do: Prohibits state employee health plans, Medicaid, accident and sickness insurance policies, and HMO contracts from imposing time limits or restricting anesthesia coverage. Allows practitioners to provide neuroplastogen treatment to qualified patients with life-threatening conditions and establishes reporting requirements. Restricts health insurers from using artificial intelligence as the primary means for adverse determinations and downcoding claims.
What it would do: Prohibits insurers from declining, limiting, or discriminating in coverage of life, disability, or long-term care insurance policies based solely on an individual's status as a living organ donor, and designates violations as unfair and deceptive insurance practices.
What it would do: Exempts employers who are members in good standing with Small Business Aid, Inc. and provide its substitute worker's compensation system from needing worker's compensation board approval, effective July 1, 2025.
What it would do: Limits state employee health plan payments for medical facility services to 200% of Medicare rates for in-network providers and 185% for out-of-network providers, and prohibits providers from charging covered individuals additional amounts beyond authorized cost sharing.
What it would do: Requires the office of Medicaid policy and planning and managed care organizations to promptly compensate physicians for emergency department services under Medicaid provider agreements, prohibits delays or denials except as specified in Medicaid law, rules, federal regulations, or the provider agreement, and prohibits denying claims solely because the claim code is not on the autopay list.
What it would do: Requires the attorney general to designate a pharmacy benefit compliance officer and establishes a compliance fund. Requires state personnel and Medicaid offices to issue requests for proposals for public-private partnerships to administer prescription drug benefits, with specified requirements and restrictions on pharmacy benefit managers.
What it would do: Prohibits utilization review entities from imposing prior authorization requirements on medication or treatment for opioid use disorder, effective July 1, 2025. Defines medication or treatment for opioid use disorder and utilization review entity for purposes of this prohibition.
What it would do: Modifies Medicaid payment formulas for disproportionate share providers, establishes a state directed payment program for hospital services beginning July 1, 2025, extends the hospital assessment fee to June 30, 2027, and authorizes a managed care organization assessment fee equal to 28.5% of hospital assessment fees.
What it would do: Amends Indiana Code Title 27 concerning insurance, effective July 1, 2025. The bill text provided does not specify the substantive changes to insurance law regarding orthotic and prosthetic device coverage.
What it would do: Requires state employee health plans established or renewed after June 30, 2025 to cover FDA-approved dementia treatments or medications prescribed by physicians when medically necessary, without subjecting such coverage to step therapy protocols.
Introduced or inactive
13 of 59 shown
What it would do: Requires insurers to pay health care providers the full amount due including cost sharing, hold sole responsibility for collecting cost sharing from covered individuals, and collect cost sharing in installments upon request. Prohibits insurers from withholding payments, requiring additional discounts, denying payment, or requiring others to collect cost sharing.
What it would do: Prohibits using artificial intelligence to impersonate or substitute for licensed mental health professionals. Requires insurers and HMOs to reimburse mental health providers at rates as favorable relative to Medicare as medical/surgical providers, prohibits retroactive rate reductions and claim recoupments after 180 days, and limits out-of-network mental health care charges when network access is inadequate.
What it would do: Requires state employee health plans, accident and sickness insurance policies, and health maintenance organizations to cover diagnostic breast examinations and supplemental breast examinations without any cost sharing requirements, effective July 1, 2026.
What it would do: Requires group health insurance for firefighters to cover screening for twelve specified cancer types and other cancers with higher risk in firefighters. Requires local public employers to provide cancer insurance for active, retired, and disabled firefighters, and authorizes the Indiana Public Retirement System board to offer group cancer insurance for firefighters.
What it would do: Requires state employee health plans, accident and sickness insurance policies, and health maintenance organization contracts to reimburse behavior analysis services providers at not less than 110% of the Medicaid reimbursement rate for autism spectrum disorder treatment, effective July 1, 2026.
What it would do: Requires state employee health plans, accident and sickness insurance policies, and health maintenance organization contracts to cover orthotic and prosthetic devices meeting Medicare standards. Requires insurers to report claims data to the insurance commissioner by October 1, 2027, who must aggregate and report findings by December 1, 2027.
What it would do: Allows adoptive parents to opt out of Medicaid coverage for their adoptive child if the child is eligible for coverage under the parent's private health insurance, provided the department verifies eligibility and ensures no lapse in coverage during the transition.
What it would do: Prohibits utilization review entities from requiring prior authorization for ambulance services within 12 hours of request and emergent or urgent response services within 24 hours of request. Requires insurance policies covering emergency medical services to reimburse services initiated through 911 or equivalent systems or when a physician determines emergency services are needed.
What it would do: Requires state employee health plans, accident and sickness insurance policies, and health maintenance organization contracts to cover comprehensive breast reconstruction surgery and maintain adequate surgeon networks. Prohibits utilization review entities from denying pre-authorized breast reconstruction claims unless they provide formal evidence of provider fraud.
What it would do: Makes it a Class A misdemeanor for a person operating a massage establishment to knowingly or intentionally employ an individual who provides massages without professional liability insurance of at least two million dollars per claim and six million dollars in aggregate.
What it would do: Allows groups or associations of child care facilities to establish multiple employer welfare arrangements. Requires the department of insurance to create a survey, facilitate communication between interested facilities, and advise on lowering insurance costs.
What it would do: Requires accident and sickness insurance policies and health maintenance organization contracts issued after June 30, 2026 to cover medically necessary acquired brain injury treatment without lifetime limits and with no more restrictive annual limitations, deductibles, copayments, or coinsurance than apply generally under the policy.
What it would do: Authorizes counties and municipalities to adopt ordinances using automated traffic enforcement devices to detect speeding and school bus violations, imposing civil penalties up to $250 with at least 50% funding device costs, and suspending vehicle registration for unpaid penalties. Prohibits reporting violations on driving records, using them for insurance rates, or assessing points.
Showing the 25 furthest along of 71. Subscribers see all of them, filtered and searchable. Bill titles link to the Indiana 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 Indiana have an insurance law?
Yes. Indiana enacted 22 insurance laws in the 2025 and 2026 sessions, among them SB 189, HB 1260 and HB 1271. Each is listed on this page with what it requires.
When do Indiana's insurance laws take effect?
SB 189 on 1 July 2026, HB 1260 on 1 July 2026, HB 1271 on 1 July 2026, HB 1098 on 1 July 2026 and HB 1114 on 1 July 2026. The others have no single date in their text.
Which insurance bills are moving in Indiana?
12 bills not yet law have passed a committee or a chamber, the furthest along HB 1354 (passed chamber), SB 220 (passed chamber) and SB 173 (passed committee).
What does Indiana legislate on most in insurance?
Health coverage and plan regulation (66 bills), Licensing, solvency and market conduct (15 bills) and Workers' compensation, surety and specialty lines (7 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 Indiana
- AI in Indiana9
- Alcohol in Indiana24
- Cannabis in Indiana22
- Children's Online Safety in Indiana5
- Cybersecurity in Indiana4
- Data center and energy in Indiana12
- Data Privacy in Indiana8
- Employment in Indiana56
- Healthcare in Indiana144
- Intellectual Property in Indiana4
- Packaging and PFAS in Indiana10
- Payments and fintech in Indiana11
- Rental housing in Indiana27
- Tobacco and nicotine in Indiana19
- Transportation in Indiana4
- 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
- Georgia112
- Kentucky109
- Tennessee99
- 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 Indiana's insurance law changes
An alert when a bill moves, and one report a month on what changed in every state and Congress.