Iowa insurance laws

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

Bills in scope
127bills in scope
Past committee
75past committee
Most recent action
2 June 2026most recent action

Insurance laws enacted in Iowa

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

  • HF 2756A bill for an act relating to licensing of service companies, motor vehicle service contracts, and residential service contracts, and providing civil penalties and including effective date provisions.Enacted 2 June 2026

    What it requires: A person must not issue, offer for sale, or sell motor vehicle or residential service contracts in Iowa unless licensed. Licensed service companies must maintain licenses, report material changes and disciplinary actions within thirty days, provide contract disclosures, and comply with prohibited practices regarding false or misleading statements about coverage, warranties, and manufacturer affiliation.

    Licensing, solvency and market conduct

  • HF 2766A bill for an act relating to captive insurance companies and life captive reinsurance companies, and including civil penalties.Took effect 1 July 2026

    What it requires: Life captive reinsurance companies must obtain a certificate of authority from the commissioner, maintain principal place of business in Iowa, hold annual board meetings in-state, have at least one resident director, designate a registered agent, file articles and bylaws with commissioner approval, and reinsure only risks of affiliated ceding insurers.

    Workers' compensation, surety and specialty lines

  • HF 2185A bill for an act relating to cost sharing for health savings accounts and qualified high-deductible health plans.Enacted 15 May 2026

    What it requires: For group insurance and accident and health insurance, if a copayment, coinsurance, or deductible paid as cost sharing by an enrollee may result in the enrollee becoming ineligible for a health savings account associated with the enrollee's qualified high-deductible health plan, the cost sharing shall apply only after the enrollee satisfies the minimum deductible, except for preventive care.

    Health coverage and plan regulation

  • HF 2633A bill for an act relating to living organ donors and life insurance, disability insurance, and long-term care insurance.Enacted 15 May 2026

    Life insurance and annuities

  • HF 2635A bill for an act relating to health carriers standards of conduct; utilization review organizations, artificial intelligence, audits, and prior authorizations; certificate of need processes; and including applicability provisions.Enacted 13 May 2026

    Health coverage and plan regulation, AI and data in underwriting and claims

  • HF 2434A bill for an act relating to insurance coverage for health care services provided pursuant to a referral by an out-of-network primary care provider.Took effect 1 July 2026

    What it requires: Health carriers shall not deny coverage for a covered benefit solely because the referral was made by an out-of-network primary care provider. Health carriers shall not impose deductibles, coinsurance, or copayments exceeding those applicable for in-network referrals. Health carriers may require evidence of a direct primary care agreement.

    Health coverage and plan regulation

  • HF 2522A bill for an act relating to the required beneficiary and use of a public officer insurance policy, and including effective date provisions.Enacted 16 April 2026

    What it does: Strikes the requirement that the state be the beneficiary of a public officer insurance policy obtained in lieu of a bond, and removes the requirement that such policies be for the use and benefit of injured corporations or persons. Takes effect upon enactment.

    Licensing, solvency and market conduct

  • HF 2232A bill for an act relating to life insurance, permissible third parties, and financial exploitation of eligible adults.Enacted 9 April 2026

    What it requires: Insurers must delay disbursements or transactions from eligible adults' policies if they reasonably believe financial exploitation is likely, notify authorized persons within seven business days, and notify the commissioner within seven business days. Insurers must provide training to supervisors and employees by June 30, 2027, and provide records to the commissioner and law enforcement upon request.

    Life insurance and annuities

  • HF 2582A bill for an act relating to investigations of insurance fraud related to adjusters, appraisers, and umpires, and license and financial responsibility requirements for adjusters, and including effective date provisions.Enacted 9 April 2026

    What it requires: Prior to license issuance, adjusters must secure evidence of financial responsibility through a surety bond of minimum fifty thousand dollars executed by an authorized insurer. Adjusters must immediately notify the division if their financial responsibility terminates or becomes impaired. An insurance producer licensed and appointed by an insurer with claim authority need not obtain an adjuster license.

    Licensing, solvency and market conduct

  • SF 2215A bill for an act relating to the applicability of the standard nonforfeiture law for individual deferred annuities to contingent deferred annuities.Took effect 1 July 2026

    What it requires: Subsections 2 through 7 of Code section 508.38 shall not apply to contingent deferred annuities. The commissioner of insurance may prescribe by rules nonforfeiture benefits for contingent deferred annuities that the commissioner deems equitable to policyholders and appropriate for the risks insured.

    Life insurance and annuities

  • HF 330A bill for an act relating to insurance coverage for covered individuals for the treatment of autism spectrum disorder and including applicability provisions.Took effect 1 July 2025

    What it requires: Third-party payment providers and group plans for state employees must provide coverage for autism spectrum disorder treatment to covered individuals under specified age limits. Group policies must allow minimum thirty inpatient days and fifty-two outpatient visits annually without aggregate annual or lifetime limits on autism spectrum disorder benefits. Coverage for applied behavior analysis is required for covered individuals under nineteen years of age.

    Health coverage and plan regulation

  • SF 383A bill for an act relating to pharmacy benefits managers, pharmacies, prescription drugs, and pharmacy services administrative organizations, and including applicability provisions.Took effect 1 July 2025

    What it requires: Pharmacy benefits managers must use pass-through pricing in contracts effective January 1, 2026. PBMs must reimburse retail pharmacies at least the national average drug acquisition cost plus a ten dollar sixty-eight cent professional fee, and must not reimburse pharmacies less favorably than their affiliates. PBMs must provide appeals processes and cannot discriminate against pharmacies or restrict patient choice.

    Health coverage and plan regulation

  • SF 619A bill for an act relating to the natural hazard mitigation financing program, the disaster recovery housing assistance program, the disaster recovery new housing program, post-loss assignment of benefits, the licensing and regulation of adjusters, appraisers, and umpires, and the Iowa economic emergency fund, and providing penalties, making appropriations, and including effective date and applicability provisions.Enacted 30 May 2025

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

  • HF 303A bill for an act relating to prior authorization and utilization review organizations.Enacted 27 May 2025

    Health coverage and plan regulation

  • HF 441A bill for an act concerning the functions of the employment appeal board; the workers’ compensation commissioner; and the department of inspections, appeals, and licensing relating to contested cases, judicial review, and liability.Enacted 19 May 2025

    What it requires: The employment appeal board shall hear and decide contested cases under specified code sections and chapters. The state, department of inspections, appeals, and licensing, and employment appeal board shall not be liable for unemployment benefits exceeding available funds in the unemployment compensation fund.

    Workers' compensation, surety and specialty lines

  • SF 565A bill for an act providing for the continuation of health insurance in certain circumstances for the surviving spouse and each surviving child of employees of the state of Iowa and including retroactive applicability provisions.Enacted 19 May 2025

    Health coverage and plan regulation

  • HF 875A bill for an act relating to health insurers’ credentialing process.Enacted 6 May 2025

    Health coverage and plan regulation

  • SF 573A bill for an act relating to motor vehicle glass repair, replacement, and insurance, making penalties applicable, and including applicability provisions.Took effect 1 July 2025

    What it requires: Motor vehicle glass repair shops must verify insured persons have made first-party claims before contracting for repairs, notify insured persons about advanced driver assistance systems and required calibration, provide good faith estimates and itemized invoices, and avoid prohibited acts including offering rebates for claims, charging unreasonable fees, submitting false documentation, and misrepresenting coverage or damage locations.

    Auto insurance

  • SF 470A bill for an act relating to prior authorization for dental care services, notice to dental care providers that a dental care service plan is state-regulated, and the recovery of overpayments by a dental carrier.Took effect 1 July 2025

    Health coverage and plan regulation

Insurance in Iowa, by topic

Insurance bills in Iowa

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

19Enacted

56Past committee

52Introduced or inactive

127 bills in scope

Past committee

25 of 56 shown

HSB 756A bill for an act relating to captive insurance companies and life captive reinsurance companies, and including civil penalties.Passed committee

What it would do: Creates a new category of life captive reinsurance companies in Iowa that can reinsure life insurance risks from affiliated companies, with minimum $5 million capital requirements, detailed governance and reporting standards, and allows premium tax deferral for companies redomesticating into the state.

SF 2376A bill for an act relating to bonds and letters of credit for general contractors and subcontractors.Passed chamber

What it would do: Requires general contractors and subcontractors engaging in construction business in Iowa to obtain and maintain an annual performance bond or irrevocable letter of credit of fifty thousand dollars payable to the state, filed with the state, with limited exceptions for public work and work in public rights-of-way.

SF 2455A bill for an act relating to insurance coverage for emergency services, reimbursements for out-of-network providers, and complicating factors.Passed committee

What it would do: Requires health carriers to cover emergency services and certain services at participating facilities provided by out-of-network providers, with reimbursement at the greater of median participating provider rates or 150% of Medicare fees, and establishes a binding arbitration process for disputes over additional reimbursement claims involving complicating factors.

HSB 762A bill for an act relating to state finances by modifying the taxes imposed on health maintenance organizations, making transfers from the taxpayer relief fund, making and supplementing appropriations to the department of health and human services, and including effective date, contingent effective date, applicability, and retroactive applicability provisions.Passed committee

What it would do: Replaces the premium tax on health maintenance organizations with a new health care-related tax on taxable funds at 3.5% through September 30, 2026, then 0.95% thereafter. Transfers $296.2 million from the taxpayer relief fund to the general fund and appropriates $70.3 million to the Department of Health and Human Services for medical assistance.

SF 2383A bill for an act relating to standards for settlement of certain motor vehicle insurance claims.Passed committee

What it would do: Requires property insurers to estimate first-party motor vehicle claims using aftermarket crash parts from distributors within 100 miles of the repair facility and pay modification costs. Requires liability insurers to estimate third-party claims using new original equipment manufacturer parts unless the owner consents in writing to aftermarket parts and the insurer agrees to pay modifications and indemnify against related claims.

SF 2437A bill for an act relating to health insurance coverage for surviving spouses and children of deceased fire fighters and peace officers, and health insurance coverage for disabled or injured fire fighters and peace officers.Passed committee

What it would do: Requires employers to pay full premiums for health insurance coverage for surviving spouses and children of deceased fire fighters and peace officers killed in the line of duty, and requires employers to provide health insurance coverage at employer expense for disabled or injured fire fighters and peace officers receiving accidental disability benefits until age 55.

HSB 600A bill for an act relating to preneed sellers, sales agents and sales agent applicants, and government cemeteries.Passed committee

What it would do: Amends preneed seller and cemetery regulations by requiring sales agent applicants to be designated by preneed sellers, eliminating mandatory five-year examinations for sellers and cemeteries with audits, changing inflation calculations to use federal consumer price index, and creating a new category of government cemeteries exempt from perpetual care requirements.

SSB 3118A bill for an act relating to utilization review organizations’ use of artificial intelligence, prior authorization determinations and exemptions, and prepayment audits, and including applicability provisions.Passed committee

What it would do: Restricts utilization review organizations from using artificial intelligence as the sole basis for denying prior authorization requests, requires peer review involvement in denials, exempts cancer-related preventative care from prior authorization if recommended per national guidelines, and establishes timelines for prepayment audit notifications and determinations.

SF 576A bill for an act relating to bonds for general contractors.Passed committee

What it would do: Requires general contractors to obtain a $50,000 performance bond payable to the person they are performing work for prior to performing any work in Iowa, except for work performed for the state or political subdivisions. Prohibits counties, cities, townships, and school districts from requiring additional bonds for private work.

SSB 3172A bill for an act relating to the establishment of a health insurance pool for municipal employees.Passed committee

What it would do: Requires the department of administrative services to establish a municipal employee health insurance pool through a competitive reverse auction process, with municipalities opting in by July 1, 2027, and the pool becoming operational July 1, 2028 if at least 10 percent of counties and cities participate.

HSB 595A bill for an act concerning reimbursement of the attorney general for services relating to the second injury fund for workers’ compensation.Passed committee

What it would do: Increases the maximum annual reimbursement to the attorney general from the second injury fund for workers' compensation services from $450,000 to $900,000, and requires annual adjustments based on consumer price index increases rounded to the nearest five dollars.

HSB 660A bill for an act relating to the required beneficiary and use of a public officer insurance policy.Passed committee

What it would do: Removes the requirement that public officer insurance policies obtained in lieu of bonds must name the state as beneficiary and be for the use and benefit of injured corporations, public or private entities, or persons.

HSB 702A bill for an act relating to insurer’s requests for information and claim timelines, and property and casualty insurer’s loss calculations, adjustments, payments of claims, policy terms, and aerial images.Passed committee

What it would do: Requires insurers to provide requested information to insureds within 15 days, establish claim timelines, calculate replacement cost losses including consequential damage, pay claims within 10 business days, and provide detailed notices when canceling or non-renewing policies based on aerial images.

HF 2249A bill for an act relating to vision benefit plans, vision benefit managers, vision care providers, and vision care provider contracts and including civil penalties and effective date and applicability provisions.Passed committee

What it would do: Establishes licensing and conduct standards for vision benefit managers, including reimbursement requirements based on Medicare fee schedules, contract term limits of two years, and prohibitions on controlling provider practices, requiring unnecessary health information disclosures, and retroactively reversing reimbursements. Provides civil remedies including damages up to $10,000 per violation and attorney fees for affected providers.

HSB 506A bill for an act relating to insurance coverage for health care services provided pursuant to a referral by an out-of-network primary care provider.Passed committee

What it would do: Requires health carriers to cover benefits referred by out-of-network primary care providers without denial and without imposing higher deductibles, coinsurance, or copayments than in-network referrals, effective July 1, 2026.

HSB 698A bill for an act relating to standards for settlement of certain motor vehicle insurance claims.Passed committee

What it would do: Requires property insurers to base first-party partial-loss motor vehicle claims on aftermarket crash parts costs within 100 miles of the repair facility and pay modification costs. Requires liability insurers to base third-party claims on new original equipment manufacturer parts unless the owner consents in writing to aftermarket parts and the insurer agrees to pay modifications and defend against related claims.

HSB 721A bill for an act relating to the establishment of a state-based exchange, creation of a state-based exchange fund, state innovation waivers, and including effective date provisions.Passed committee

What it would do: Requires the insurance commissioner to submit a state innovation waiver application by December 31, 2026, and authorizes the commissioner to create and operate a state-based health insurance exchange. Creates a state-based exchange fund for this purpose and establishes confidentiality protections for related documents and information.

HF 606A bill for an act relating to certain health insurance policies, contracts, and plans and a special enrollment period for pregnant women.Passed committee

What it would do: Requires health insurance policies, contracts, and plans to provide a special enrollment period allowing pregnant women to enroll at any time after a health care professional certifies pregnancy, with coverage effective the first day of the month of certification, without fees or penalties, for policies delivered or renewed in Iowa on or after January 1, 2026.

SSB 3091A bill for an act relating to peer-to-peer car sharing programs.Passed committee

What it would do: Creates a regulatory framework for peer-to-peer car sharing programs, requiring programs to assume liability for shared vehicle owners during car sharing periods, maintain motor vehicle liability insurance of at least the minimum amounts under section 321A.21, and comply with recordkeeping, safety recall, and disclosure requirements.

HF 2029A bill for an act relating to health care coverage of public school district personnel under the state health insurance plan, providing fees, making appropriations, and including effective date provisions.Passed committee

What it would do: Allows public school district employees and elected officials to enroll in the state health insurance plan at the same premium rates as state employees, with districts paying monthly premiums plus administrative fees to a new trust fund, effective July 1, 2027.

HF 129A bill for an act relating to the minimum amounts required for motor vehicle financial responsibility, and making penalties applicable.Passed committee

What it would do: Increases minimum motor vehicle financial responsibility coverage from $20,000/$40,000/$15,000 to $50,000/$100,000/$50,000 for bodily injury/death of one person, two or more persons, and property damage respectively, with corresponding updates to related insurance and leasing provisions.

SF 319A bill for an act relating to certain cost controls for health care services.Passed chamber

What it would do: Requires health care providers to disclose discounted cash prices for services and prohibits contracts preventing such discounts. Requires health carriers to disclose average allowed amounts and credit covered persons who pay cash prices below those amounts toward cost-sharing.

HSB 516A bill for an act relating to life insurance, permissible third parties, and financial exploitation of eligible adults.Passed committee

What it would do: Extends delays for life insurance disbursements suspected of exploiting eligible adults from 15 to up to 55 business days, allows insurers and qualified individuals to notify commissioners and permissible third parties of suspected exploitation, and requires insurer training on identifying exploitation by June 30, 2027.

HSB 518A bill for an act relating to cost sharing for health savings accounts and qualified high-deductible health plans.Passed committee

What it would do: Requires that copayments, coinsurance, or deductibles under group insurance and accident and health insurance apply only after an enrollee satisfies their minimum deductible if the cost sharing would make them ineligible for a health savings account, except for preventive care.

HSB 525A bill for an act relating to the applicability of the standard nonforfeiture law for individual deferred annuities to contingent deferred annuities.Passed committee

What it would do: Exempts contingent deferred annuities from subsections 2 through 7 of Iowa's standard nonforfeiture law for deferred annuities, while allowing the insurance commissioner to prescribe nonforfeiture benefits for contingent deferred annuities by rule.

Showing the 25 furthest along of 108. Subscribers see all of them, filtered and searchable. Bill titles link to the Iowa 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 Iowa have an insurance law?

Yes. Iowa enacted 19 insurance laws in the 2025 and 2026 sessions, among them HF 2756, HF 2766 and HF 2185. Each is listed on this page with what it requires.

When do Iowa's insurance laws take effect?

HF 2766 on 1 July 2026, HF 2434 on 1 July 2026, SF 2215 on 1 July 2026, HF 330 on 1 July 2025 and SF 383 on 1 July 2025. The others have no single date in their text.

Which insurance bills are moving in Iowa?

56 bills not yet law have passed a committee or a chamber, the furthest along HSB 756 (passed committee), SF 2376 (passed chamber) and SF 2455 (passed committee).

What does Iowa legislate on most in insurance?

Health coverage and plan regulation (72 bills), Licensing, solvency and market conduct (24 bills) and Auto insurance (16 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 Iowa

Insurance legislation in other jurisdictions

52 more currently hold bills in this tracker

Know when Iowa'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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