Licensing, solvency and market conduct laws by state

SB 219: Insurance, to provide that service contract provider registration fees be paid into the Special Examination Revolving Fund instead of the Service Contract Revolving Fund

Service contract providers must pay annual registration fees of two hundred dollars to the Commissioner of Insurance, with fees deposited into the Special Examination Revolving Fund instead of the Service Contract Revolving Fund. Any unencumbered balance remaining in the Service Contract Revolving Fund on October 1, 2026, shall be transferred to the Special Examination Revolving Fund.

Took effect 1 October 2026

SB 247: Insurance; to allow reorganization of a nonprofit health care service corporation under the control of a nonprofit holding company

A nonprofit health care service corporation reorganizing under a nonprofit holding corporation must limit asset transfers to the lesser of two hundred million dollars or 20 percent of health care liabilities. Eighty percent of holding corporation profits must fund rebates offsetting premium increases. Premium rate increases cannot exceed the most recent annual medical care core inflation rate published by the U.S. Bureau of Labor Statistics.

Took effect 1 October 2026

HB 302: An Act relating to travel insurance; relating to the business of insurance; relating to exceptions to prohibited rebates; relating to the powers of the director of the division of insurance; relating to prohibited practices in the advertisement of insurance; relating to unemployment benefits; and providing for an effective date.

Travel insurers must document policyholder residence or principal place of business and report only travel insurance premiums, not travel assistance services or cancellation fee waivers. Travel insurance limited producers must maintain registers of travel retailers, ensure compliance with training requirements, and designate a licensed insurance producer responsible for regulatory compliance. Travel retailers and their employees may not evaluate policy terms or represent themselves as licensed insurers.

Takes effect 1 January 2027

HB 116: An Act exempting from insurance regulation cooperative agreements entered into by two or more persons engaged in commercial fishing for the purpose of paying claims or losses.

Exempts cooperative agreements between two or more commercial fishing persons from insurance regulation when they pool contributions to pay claims or losses from liability or damage to vessels or machines used in their fishing businesses.

HB 2693: insurance; bona fide associations; qualifications

Associations must meet specified requirements to qualify as bona fide associations for offering health benefits plans. Path 1 associations must be formed for purposes other than obtaining insurance, have constitutions and bylaws, insure at least twenty-five members, and not condition membership on health status. Path 2 associations must meet federal ERISA employer definitions.

HB 2996: DIFI; certificates of insurance

A person may not prepare, issue, request or require a certificate of insurance that contains false or misleading information, purports to alter or extend coverage, or claims policy compliance with contract requirements. The director shall prohibit certificates that are unfair, misleading, deceptive, or violate public policy or law.

SB 1415: insurance adjuster license; eligibility

Salaried employees of insurers or managing general agents who held an active designated home state adjuster license in another state before January 1, 2026 and are in good standing may obtain an Arizona adjuster license without examination by submitting an application, fee, and fingerprints by June 30, 2027. Licensed adjusters under this section must adjust claims only as salaried employees and may not adjust claims on behalf of insureds or in any other capacity.

HB 2054: DIFI; financial enterprises; insurance; compact

Insurers writing homeowners insurance in heightened fire risk areas must report annually by April 1 to the director detailed policy data including issuance dates, nonrenewal/cancellation reasons, zip codes, premiums, deductibles, coverage limits, and claims paid. The director must compile aggregated reports for the governor and legislature.

HB 1625: To amend the law concerning insurance requirements for licensed home inspectors.

Licensed home inspectors must obtain general liability insurance and either a professional liability insurance policy or an errors and omissions insurance policy approved by the State Insurance Department.

SB 544: To amend the arkansas pharmacy benefits manager licensure act.

Pharmacy benefits managers must provide pharmacy services administrative organizations, pharmacies, and pharmacists with pharmacy claims identification numbers and unique combinations upon request. PBMs must clearly list these identifiers in new contracts, opt-out contracts, amendments, and renewals. PBMs must not use national contracts lacking separate Arkansas-specific amendments complying with state law.

HB 1771: To amend the law concerning disclosures to policyholders; and to require monthly reporting by insurers.

This amendment adds Senator R. Murdock as a cosponsor and makes technical corrections to House Bill 1771 regarding insurer disclosures to policyholders and monthly reporting requirements, including adjusting numerical references and restructuring subsection designations.

HB 1602: To amend the arkansas pharmacy benefits manager licensure act; to establish fees under the arkansas pharmacy benefits manager licensure act; and to require reporting of certain information by a pharmacy benefits manager.

The commissioner may reduce initial or renewal application fees for a pharmacy benefits manager if the fee would constitute financial hardship preventing the entity from doing business in Arkansas or competing in the marketplace considering limited Arkansas patients impacted or limited services offered.

SB 276: To amend the law concerning surplus lines insurance; and to clarify that surplus lines insurance is acceptable coverage for financial responsibility of motor vehicle insurance coverage.

Insurance carriers must be authorized or eligible to do business in Arkansas to issue motor vehicle liability policies for proof of financial responsibility. Nonresident carriers must execute a power of attorney authorizing the Secretary of the Department of Finance and Administration to accept service of process and agree in writing that policies conform to Arkansas law.

HB 1595: To enact the state insurance department's general omnibus amendment of arkansas insurance code.

Amends Arkansas insurance law to authorize the Insurance Commissioner to delegate workers' compensation plan operations, modifies reciprocal insurer attorney bond requirements, extends hospital and medical service corporation examination intervals from three to five years, updates service of process procedures for insurers, and repeals the Comprehensive Health Insurance Pool Act.

SB 236: To amend the insurance holding company regulatory act.

Ultimate controlling persons of insurance holding company systems must file annual group capital calculation reports with the lead state commissioner according to group capital calculation instructions, except for certain exempt systems. Ultimate controlling persons of insurers scoped into the NAIC liquidity stress test framework must file results of that framework with the lead state commissioner.

SB 48: To amend the law concerning disclosure of deductibles under certain insurance policies.

Insurers issuing or renewing owner-occupied residential property insurance policies in Arkansas that base deductibles on a percentage of insured value must disclose the monetary amount of the deductible on the policy declaration page or notice of renewal, excluding earthquake losses.

SB 76: To amend the law concerning miscellaneous prohibited practices under the arkansas insurance code; and to clarify fees collected by certain brokers.

A duly licensed property or casualty agent, broker, or surplus lines broker may charge a fee to the insured in addition to premium only if each fee is separately disclosed on the invoice or billing statement and the aggregate sum of fees and all producers' commissions does not exceed twenty percent of the total gross premium, except when referring to a surplus lines broker. Fees must be reasonable in relation to underwriting, issuing, and processing costs.

SB 70: To amend the law concerning standards for insurance policies; and to revise the notice requirements of an insurer for a premium increase.

When an insurer revises its rates or rules resulting in a premium increase of twenty-five percent or greater on any renewal policy with a term of twelve months or less, the insurer must mail or deliver notice to the insured's agent at least sixty days before the effective date of renewal and to the insured at least thirty days before the effective date of renewal, specifically stating the intention to increase the premium.

AB 1876: Health care coverage: nondiscrimination.

Health care service plans and health insurers licensed in California must not exclude, deny benefits to, or discriminate against subscribers, enrollees, policyholders, or insureds based on race, color, national origin, age, disability, or sex, including sex characteristics, intersex traits, pregnancy, sexual orientation, gender identity, and sex stereotypes. They must not deny, limit, or impose additional cost sharing on coverage based on sex assigned at birth, gender identity, or gender-affirming care.

Takes effect 1 January 2027

AB 1927: Bail Consumer Protection Act.

Any person who willfully impersonates a licensed bail agent and solicits or attempts to solicit bail from any individual commits a misdemeanor. Bail agents and impersonators must not engage in unauthorized solicitation of bail to family members or known contacts of arrested individuals.

Takes effect 1 January 2027

AB 2061: California FAIR Plan Association: data.

The California FAIR Plan Association must post quarterly on its internet website the number of policies issued in each ZIP Code, the association's risk exposure, and the number of policyholders removed through the clearinghouse program. The association must maintain an internet website and toll-free number for applicants and insureds.

Takes effect 1 January 2027

AB 2499: Health care coverage: claims payments.

Health care service plans and health insurers must reimburse complete claims within 30 calendar days of receipt or notify claimants in writing that claims are contested or denied within 30 days. Plans and insurers must accept electronic medical records through standard electronic submission methods and must not deny, pend, or delay claims solely because their systems cannot accept documentation that otherwise meets requirements.

Takes effect 1 January 2027

AB 2724: Insurance: distressed areas.

The Department of Insurance must review and update distressed areas on or before July 1, 2027, and yearly thereafter. The department must consult with the Department of Forestry and Fire Protection, consider ZIP Codes meeting the 10 percent threshold, hold at least one public meeting for suggestions, and publish a bulletin listing distressed area ZIP Codes by January 1, 2028, and yearly thereafter.

Takes effect 1 January 2027

SB 1049: Health care claims reimbursement.

Health care service plans and health insurers must allow providers 90 days from the plan's or insurer's most recent action to submit a corrected claim after a claim denial or overpayment notice based on a remediable defect. Plans and insurers must not deny corrected claims on grounds that the provider missed other applicable claim filing deadlines.

Takes effect 1 January 2027

SB 1094: Prescription drugs.

Pharmacists may select alternative biological products that are biosimilar to or interchangeable with prescribed reference products if prescribers do not indicate "Do not substitute." Pharmacists must notify prescribers within five days of dispensing. Health care service plans and health insurers must not limit coverage for previously approved drugs if appropriately prescribed and safe and effective, but may require trial of AB-rated generics or biosimilars under specified conditions with 30 days' advance notice.

Takes effect 1 January 2027

SB 1209: Insurance: examination of insurers.

An examined company must take corrective actions to remediate violations of applicable statutes, regulations, statutory accounting principles, and other legally binding rules identified in an examination report within a timeframe agreed upon by the commissioner. If the company fails to adopt necessary corrective action, it is subject to penalties.

Takes effect 1 January 2027

SB 1244: Public Agency Benefits Intermediary Compensation Disclosure Act.

Covered service providers must disclose to public agencies all direct and indirect compensation they expect to receive for brokerage or consulting services before entering into, extending, renewing, or materially amending contracts, if compensation exceeds $1,000. Covered service providers must not request, accept, or receive compensation unless disclosed, and must not structure arrangements to evade disclosure.

Takes effect 1 January 2027

AB 1629: Dental coverage.

Health care service plans and health insurers covering dental services must pay noncontracting dental providers directly for covered services upon written assignment of benefits from enrollees, provide predetermination or prior authorization, and reimburse at least that amount. Noncontracting dental providers must disclose they are noncontracting and may not charge enrollees more than estimated cost-sharing before plan payment.

Takes effect 1 January 2027

AB 1680: California FAIR Plan Association.

The California FAIR Plan Association must take corrective actions specified by the Insurance Commissioner to rectify violations of applicable statutes, regulations, accounting principles, the plan of operation, or other legally binding rules identified in examination or operational reports. All insurers licensed to write basic property insurance must participate in the association as a condition of authority to transact such insurance.

Takes effect 1 January 2027

AB 1906: Health care coverage: home test kits.

Health care service plans and health insurers must provide coverage without cost sharing for cervical cancer screening tests ordered by in-network providers and consistent with nationally recognized clinical guidelines, including FDA-authorized or cleared self-collected cervical screening home test kits, for plans issued, amended, or renewed on or after January 1, 2027. Medi-Cal must cover cervical cancer screening tests and FDA-authorized home test kits ordered by health care providers without cost sharing on or after January 1, 2027.

Takes effect 1 January 2027

AB 1931: Insurance: home protection companies.

Home protection companies must maintain insurance covering 100% of contractual obligations, issued by admitted insurers with AM Best rating B++ or better and $15,000,000 surplus. Home protection contract limited lines agents must license with the commissioner, maintain vendor registers, ensure vendor compliance, and submit training materials. Home protection contract vendors must provide required disclosures, act ethically, and comply with collection procedures.

Takes effect 1 January 2027

AB 280: Health care coverage: provider directories.

Health care service plans and health insurers must annually verify and delete inaccurate provider directory listings, meeting accuracy benchmarks of 60% by July 1, 2026, increasing to 95% by July 1, 2029. They must provide coverage for services when enrollees reasonably relied on inaccurate directory information and reimburse providers the out-of-network amount.

Takes effect 1 January 2027

SB 1206: Insurance: omnibus.

Licensees must become inactive if dissolved, forfeited, terminated, canceled, or surrendered by the Secretary of State. Public adjusters must deposit fiduciary funds within 15 calendar days (or 7 days for catastrophic disasters) and remit settlement funds within 30 calendar days (or 15 days for catastrophic disasters). Licensees must promptly respond to commissioner inquiries within 21 days.

Takes effect 1 January 2027

SB 1301: Residential property insurance: nonrenewals.

Beginning January 1, 2028, insurers must deliver renewal offers or nonrenewal notices to named policyholders at least 90 days before policy expiration, provide detailed plain language explanations of nonrenewals or coverage reductions, and allow policyholders at least 90 days to remedy remediable conditions. Insurers must submit annual reports to the Insurance Commissioner by April 1 each year.

Takes effect 1 January 2027

SB 354: Insurance Information and Privacy Protection Act.

Licensees, surplus line insurers, reinsurers, and third-party service providers must collect only personal information reasonably necessary for insurance transactions, provide clear privacy notices, obtain consumer consent for non-transaction uses, retain records per written policies, and prohibit retaliation against consumers exercising privacy rights.

Takes effect 1 January 2027

SB 876: Fire and residential property insurance.

Residential property insurers must offer extended replacement cost coverage of at least 50% above policy limits and extended additional living expenses coverage of at least 50% above policy limits. Insurers must assign a primary point of contact within 30 days for state of emergency claims. Insurers must submit disaster response plans and report losses within 30 days of emergency declaration.

Takes effect 1 January 2027

AB 1781: Federal Home Loan Banks.

A receiver, rehabilitator, liquidator, or conservator must not void any transfer of money or other property arising under or in connection with any Federal Home Loan Bank security agreement with an insurer-member unless the transfer was made with actual intent to hinder, delay, or defraud existing or future creditors. A Federal Home Loan Bank must not be stayed, enjoined, or prohibited from exercising or enforcing any right or cause of action against collateral pledged by an insurer-member under any Federal Home Loan Bank security agreement.

Takes effect 1 January 2027

AB 1339: Department of Insurance: housing insurance study.

The Department of Insurance shall conduct a study of property, liability, and builders' risk insurance coverages available to affordable housing entities receiving grants, loans, or tax credits from specified state agencies. Insurers must provide information requested by the commissioner. The department must submit a report with policy and budget recommendations within one year of appropriation.

SB 40: Health care coverage: insulin.

Health care service plans and health insurers must limit cost sharing for insulin prescription drugs to $35 for a 30-day supply for large group plans issued after January 1, 2026, and individual or small group plans issued after January 1, 2027. They must not impose step therapy as a prerequisite to insulin coverage starting January 1, 2026, and must include at least one insulin per drug type on formularies.

SB 62: Health care coverage: essential health benefits.

Health care service plans must include essential health benefits in individual or small group contracts issued, amended, or renewed on or after January 1, 2027, if the United States Department of Health and Human Services approves a new benchmark plan, including fertility services, specified durable medical equipment, and hearing exams and aids.

AB 1041: Health care coverage: health care provider credentials.

Full service health care service plans and health insurers, or their delegates, must subscribe to and use the CAQH credentialing form on and after January 1, 2028. They must make credentialing determinations within 90 days of receiving completed applications and notify applicants of receipt within 10 business days. Providers must be activated and notified within 10 days of approval.

AB 1398: Workers' compensation.

All interested parties must disclose in writing any financial interest in an entity providing services to a third-party payer or other entity when presenting a claim for payment. Interested parties other than claims administrators or network service providers are prohibited from referring persons for services or using services from entities in which they have a financial interest.

AB 487: Insurance.

Insurers must not knowingly employ runners, cappers, steerers, or other persons to procure clients or patients for workers' compensation or insurance claims. Applicants and licensees must notify the commissioner within 30 days when background information changes, including administrative actions regarding professional licenses or unlawful conduct allegations.

AB 888: California Safe Homes grant program.

The Department of Insurance must develop and administer the California Safe Homes grant program to reduce wildfire losses and improve insurability. When awarding grants, the department must prioritize roof replacement and noncombustible zones per Safer from Wildfires regulations, then communitywide mitigation projects. The department must collect performance data and publish reports by January 1, 2027, and every two years thereafter.

AB 943: Insurance agents: prelicensing education.

Applicants for insurance agent licenses must complete 12 hours of study on ethics and the Insurance Code, including one hour on insurance fraud. The curriculum board must develop and approve the ethics course curriculum, which the commissioner must approve. Providers must obtain certification for 12-hour ethics courses.

SB 495: Insurance.

Admitted insurers in a group with prior year written premiums of $50,000,000 or more from specified insurance lines must submit annual reports to the commissioner by March 1, 2026, and March 1 each year thereafter, containing reinsurance program placement data and probabilistic catastrophic model information. Insurers must promptly respond to commissioner inquiries. Insurers must not require proof of loss less than 100 days after losses relating to declared states of emergency and must provide advance personal property payments of 60 percent of policy limits up to $350,000 for furnished residences.

AB 226: California FAIR Plan Association.

The California FAIR Plan Association, if granted prior approval from the Insurance Commissioner, may request the California Infrastructure and Economic Development Bank to issue bonds to finance claims costs or increase liquidity and claims-paying capacity. If the association cannot timely meet repayment obligations, it must assess members in necessary amounts and at necessary times to pay all obligations in full.

AB 290: California FAIR Plan Association: automatic payments.

The California FAIR Plan Association must create an automatic payment system and accept automatic payments for premiums from policyholders on or before April 1, 2026. The association must not cancel or nonrenew a FAIR Plan policy solely because the policyholder is not enrolled in automatic payments.

SB 402: Health care coverage: autism.

Health care service plans and health insurers must include qualified autism service providers, qualified autism service professionals, and qualified autism service paraprofessionals in provider directories with accurate, current information. Plans must update online directories weekly and printed directories quarterly, investigate reported inaccuracies within 30 business days, and allow providers to verify directory information.

AB 594: Student health insurance.

Commencing July 1, 2026, institutions of higher education must terminate student health insurance coverage within the same calendar month if feasible, but no later than the last day of the calendar month in which a 30-day notice period ends, when a student certificate holder requests termination due to graduation, leave of absence, or no longer being enrolled. Students must receive notice of premium liability if they choose not to terminate.

AB 951: Health care coverage: behavioral diagnoses.

Health care service plans and health insurers must not require enrollees or insureds previously diagnosed with pervasive developmental disorder or autism to receive a rediagnosis to maintain coverage for behavioral health treatment, effective for contracts issued, amended, or renewed on or after January 1, 2026. Treatment plans must be made available upon request. Plans and insurers must not discontinue or delay existing treatment while awaiting rediagnosis.

Took effect 1 January 2026

AB 116: Health omnibus trailer bill.

Skilled nursing facilities must have an alternative power source for at least 96 hours during power outages, complying on or after January 1, 2026 when the State Department of Health Care Services publishes notice of sufficient legislative appropriation. Pharmacy benefit managers must obtain a Department of Managed Health Care license by January 1, 2027 or when the licensure process is established, whichever is later.

HB 1070: Third-Party Network Agreements for Dental Services

Carriers must obtain affirmative consent from participating dental providers before entering third-party network lease agreements granting access to those providers' services and discounts. Carriers must not cancel contracts or refuse to contract with providers based on refusal to consent. Carriers must provide lists of third parties, allow removal of consent, maintain updated websites, give thirty days notice before new agreements, and make contracts available within thirty days of request.

HB 1003: Insurance Premium Tax Rate for Home Offices

Companies maintaining a home office or regional home office in Colorado must pay an insurance premium tax rate of one percent on direct written premiums for 2025, and two percent on and after January 1, 2026. The reduced tax rate provisions are repealed effective December 31, 2026.

HB 25-1322: Enforce Insurer Compliance Requests Insurance Policy

A homeowner's insurance carrier must make available to a policyholder a certified copy of the policyholder's insurance policy within thirty calendar days after a written request is received by the insurance carrier's registered agent.

SB 25-058: Insurance Rebate Reform Model Act

Insurers and insurance producers may offer value-added products or services at no cost or reduced cost if they relate to insurance coverage and achieve specified goals like loss mitigation, risk reduction, health enhancement, or financial wellness. The cost must be reasonable compared to premiums, availability must use documented objective criteria applied nondiscriminatorily, and customers must receive contact information.

HB 5373: An act concerning the insurance department's recommendations for revisions to the insurance statutes.

Insurers must provide policyholders with premium billing notices at least thirty days before renewal. For personal risk policies with ten percent or more premium increases effective January 1, 2029, insurers must provide dollar impact or estimates of increases by primary factor. Health carriers cannot remove drugs from formularies or move drugs to higher cost-sharing tiers during plan years except under specified conditions.

Took effect 1 October 2026

SB 1270: An act concerning public adjusters.

Public adjusters must base any fee charged to an insured only on insurance settlement proceeds actually paid by the insurer and must collect the fee after the insurer has paid such proceeds. Public adjusters shall not charge or collect a fee if within thirty days of a loss to a structure covered by a fire insurance policy the insurer offers in writing to pay the full policy limits.

Took effect 1 October 2025

HB 6897: An act extending the sunset date for personal risk insurance rate filings.

An insurer may file a rate for personal risk insurance with the Insurance Commissioner that takes effect upon filing, provided the rate does not exceed a six percent overall state-wide increase or decrease in the aggregate and does not exceed a fifteen percent increase in any individual territory. Not more than one filing may be made within any twelve-month period unless combined filings meet these same limits.

Took effect 30 June 2025

HB 6981: An act concerning electronic posting of certain documents by insurers, nonrenewal or cancellation of property and casualty insurance policies, federal home loan banks and the insurers rehabilitation and liquidation act, hypothecation of assets and surplus lines insurance.

Insurers may post policies and endorsements on their websites instead of mailing them, provided they obtain the insured's agreement, keep policies accessible for the policy duration, retain expired policies for five years, and provide insureds with free paper copies upon request and the ability to opt out of electronic delivery.

Took effect 1 October 2025

SB 45: An act to amend title 11 of the delaware code relating to insurance fraud.

Amends Title 11 of the Delaware Code to raise the aggregate value threshold for application insurance fraud from $1,000 to $1,500 to constitute a class G felony.

HB 74: An act to amend title 18 of the delaware code relating to insurance examinations.

Amends Delaware Code Title 18 Section 321 to clarify that disclosure of documents, materials, or information to the Insurance Commissioner does not waive any applicable privilege or claim of confidentiality.

HB 139: An act to amend title 18 of the delaware code relating to line-of-duty hearings.

HB 18: An act to amend title 18 of the delaware code relating to licensing fees and department of insurance funding.

HB 7: An act to amend title 18 of the delaware code relating to taxes.

Amends Delaware tax code section 702 to clarify that taxes imposed under sections 703, 704, 707, 1917, and 6914 are payable according to the specified installment schedule, resolving an internal inconsistency regarding tax payment timing for captive insurance companies and surplus lines brokers.

SB 1452: Department of Financial Services

Amends multiple Florida statutes governing the Department of Financial Services, including revisions to the My Safe Florida Home Program's hurricane mitigation inspection and grant eligibility requirements, unclaimed property procedures, financial management systems, insurance licensing, and various other regulatory provisions.

SB 394: Reinsurance Intermediary Managers

Amends the definition of 'controlling person' and 'reinsurance intermediary manager' under Florida law to exclude certain underwriting managers, including those managing all reinsurance operations under common control with the reinsurer and those managing facultative risks below 10 percent of assumed annual gross written premium.

Took effect 1 July 2026

HB 1343: Insurance Customer Representative Licensing Qualifications

The Department of Education, in consultation with the Department of Financial Services, must develop a 0.5 credit insurance and personal finance course by January 1, 2027, for use beginning with the 2027-2028 school year. The course must include comprehensive analysis of basic property and casualty lines of insurance. Applicants for customer representative licenses may qualify by completing this course.

Took effect 1 July 2026

SB 772: Limited Licenses for Portable Electronics or Eyewear Insurance

Licensees selling portable electronics or eyewear insurance must disclose that coverage may duplicate existing homeowner or renter policies, that enrollment is not required, and must provide brochures summarizing material terms, claim filing process, and cancellation rights. Licensees must remit premiums to insurers within 60 days of receipt.

Took effect 1 July 2026

HB 271: Foreign and Alien Bail Bond Insurers

Domestic, foreign, or alien bail bond insurers must report direct written premiums for bail bonds net of amounts retained by licensed bail bond agents or managing general agents, with a minimum floor of 6.5 percent of total consideration received. Insurers must keep complete records of total consideration paid for all bail bonds written and disclose specified information in financial statement notes filed with the office.

Took effect 1 July 2026

SB 282: Warranty Associations

Service warranty associations and home warranty associations must obtain contractual liability insurance covering 100 percent of claim exposure from insurers with certificate of authority. Associations must not use both unearned premium reserves and contractual liability insurance simultaneously. Contracts including accidental damage from handling coverage must be covered by contractual liability insurance unless issued by associations exempt under section 634.406(7).

Took effect 1 July 2025

SB 944: Insurance Overpayment Claims Submitted to Psychologists

Health insurers and health maintenance organizations must submit all claims for overpayment to providers licensed under chapters 458, 459, 460, 461, 466, or 490 within 12 months after payment of the claim. Claims for overpayment may not be permitted beyond 12 months after payment, except for providers convicted of fraud.

Took effect 1 July 2025

HB 655: Pet Insurance and Wellness Programs

Pet insurers must disclose defined terms, claim payment bases, medical examination requirements, and policy provisions to applicants and policyholders through websites and policy documents. Pet insurers must include statutory definitions in policies, provide a 30-day examination period with full premium refunds, and ensure agents are trained on preexisting conditions, waiting periods, wellness programs, and related topics.

Took effect 1 January 2026

HB 1344: Georgia Insurance Affordability and Claims Integrity Act; enact

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.

Takes effect 1 January 2027

SB 503: Insurance; rental home marketplace guarantees from the definition of property insurance; exempt

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.

SB 35: Property Insurance Policies; notice required to be given a policyholder before the nonrenewal of his or her homeowners' insurance policy; increase the number of days

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.

Took effect 1 January 2026

HB 410: Insurance, Department of; efficiency in the practices; provide

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.

SB 138: Incorporation of Municipal Corporations; transition of certain services related to newly incorporated municipalities in certain counties; provide

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.

SB 2043: Relating to insurance.

Captive insurance companies must undergo examination at least once every five years, except risk retention captive insurance companies which must be examined no later than three years after formation and then at least once every five years. Captive insurance companies may apply for certificates of exemption from examination if they meet specified criteria including prior examination completion and timely filing of required reports.

HB 1875: Relating to health care.

Covered entities must not disclose protected health information for investigations into persons seeking, receiving, providing, or facilitating reproductive or gender-affirming health care services lawful in Hawaii. Insurers issuing medical malpractice policies must not deny, cancel, or refuse to renew policies solely because providers offer such lawful services. Health carriers must not terminate contracts with providers on that sole basis.

Took effect 1 July 2026

HB 2282: Relating to insurance.

Insurers must reasonably explain premium changes upon written request by policyholders. Insurers must provide written notice of cancellation no fewer than ten days before effective date, or twenty days for residential property policies except for nonpayment or material misrepresentation. Insurers must state specific reasons for cancellation or nonrenewal.

HB 97: Relating to travel insurance.

Travel insurers must pay premium taxes on travel insurance sold to Hawaii residents. Limited lines travel insurance producers must license, register travel retailers, maintain compliance registers, designate a responsible producer, and ensure retailer training. Travel retailers and their employees cannot evaluate insurance terms or hold themselves out as licensed unless properly credentialed.

HB 544: Relating to pet insurance.

Pet insurers must disclose to consumers whether policies exclude preexisting conditions, hereditary disorders, congenital anomalies, and chronic conditions, plus waiting periods, deductibles, and claim payment bases. Pet insurers must provide a thirty-day free look period for applicants who have not filed claims. Insurance producers must complete training on preexisting conditions, waiting periods, and policy differences before selling pet insurance.

SB 1369: Relating to title 24, hawaii revised statutes.

Domestic mutual benefit societies, health maintenance organizations, and dental insurers must prepare and submit quarterly net solvency reports to the commissioner by the forty-fifth day after each of the first three calendar quarters and by March 1 for the fourth quarter, verified by at least two principal officers, and maintain current reports at their primary place of business.

H 900: STATE 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.

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.

Took effect 1 July 2026

H 562: INSURANCE – Amends existing law to revise provisions regarding cancellation and nonrenewal of certain policies.

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.

S 1262: INSURER INVESTMENTS – Amends existing law to revise provisions regarding miscellaneous insurer investments.

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.

Took effect 1 July 2026

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

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.

HB 1865: Fraud-targeted insurance sales

Sellers of accident or health insurance must not solicit nursing home residents or individuals over 65 unless they avoid requiring purchasing decisions in first contact, advise examining current plans with advisors, provide a phone number for questions, and allow opt-out. Sellers must not enter into or amend policies with persons over 65 who executed medical powers of attorney or persons with conditions like dementia reducing decision capacity, except where the power of attorney holder agrees.

Took effect 1 January 2026

SB 189: Nonparticipating providers.

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.

Took effect 1 July 2026

HB 1260: Various insurance matters.

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.

Took effect 1 July 2026

HB 1271: Payment of health claims.

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.

Took effect 1 July 2026

HB 1274: Insurance mandated gun free zone notices.

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.

Took effect 1 July 2026

HB 1003: Health matters.

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.

Took effect 1 July 2025

HB 1587: Insurance matters.

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.

Took effect 1 July 2025

HB 1666: Ownership of health care providers.

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.

Took effect 1 July 2025

HF 2756: A 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.

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.

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

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.

HF 2582: A 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.

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.

SF 619: A 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.

HB 2323: Establishing procedures for a civil action instituted by the commissioner of insurance related to fraudulent insurance acts, providing that expunged criminal records will be disclosed in any application for licensure as an insurance producer or public adjuster if the arrest, conviction or diversion is for a fraudulent insurance act and including automobile assigned claims plans in provisions related to fraudulent insurance acts.

HB 2509: Allowing licensed physical therapists to perform certain capillary blood tests, adding advanced practice registered nurse to the definition of healthcare provider for purposes of the healthcare provider insurance availability act, adding an advanced practice registered nurse position to the board of governors of the healthcare stabilization fund and requiring advance practice registered nurses to maintain professional liability insurance as a condition of active licensure.

Licensed physical therapists may perform CLIA-waived capillary blood tests limited to lactate and blood glucose for muscle metabolism, exercise tolerance, or rehabilitation assessment. Advanced practice registered nurses must maintain professional liability insurance as a condition of active licensure commencing January 1, 2028, unless initial surcharge exceeds 15%.

SB 23: Requiring agents and insurers to respond to inquiries from the commissioner of insurance within 14 calendar days and authorizing certain rebate pilot programs to exceed one year in duration.

SB 55: Prohibiting the assignment of benefits under certain property and casualty insurance contracts and defining such assignment of benefits as an unfair method of competition and unfair or deceptive act or practice.

HB 2045: Reducing certain license fees and training requirements for child care staff, creating a process for day care facility licensees to apply for temporary waiver of certain statutory requirements, authorizing the secretary of health and environment to develop and operate pilot programs to increase child care availability or capacity, transferring certain child care programs to the Kansas office of early childhood and creating day care licensing duties of the director of early childhood.

Insurers and rating organizations must cooperate in preparing equitable apportionment plans for automobile liability, workers compensation, professional liability, and assigned claims. Governing boards for these plans are reduced in size and composition effective January 1, 2026. The committee on surety bonds and insurance meets less frequently.

HB 2050: Authorizing the commissioner of insurance to set the amount of certain fees and cause the publication of such fees in the Kansas register, authorizing the commissioner to reduce the number of board members on certain insurance-related boards, renaming the Kansas insurance department as the Kansas department of insurance, renaming the office of the securities commissioner as the department of insurance, securities division, renaming the securities commissioner as the department of insurance, assistant commissioner, securities division and eliminating the requirement of senate confirmation for appointees to such position, requiring the commissioner of insurance to maintain a list of eligible nonadmitted insurers and authorizing such nonadmitted insurers to transact business in Kansas with vehicle dealers and to provide excess coverage insurance on Kansas risks.

HB 2334: Enacting the Kansas protected cell captive insurance company act, providing for the redomestication of a foreign or alien captive insurance company and updating certain terms, requirements and conditions of the captive insurance act, reducing insurance company premium tax rates, creating parity between the insurance agent and public adjuster licensing requirements, authorizing insurers to file certain travel insurance policies under the accident and health line of insurance and authorizing the commissioner of insurance to select and announce the version of certain instructions, calculations and documents in effect for the upcoming calendar year and cause such announcement to be published in the Kansas register not later than December 1 of the current year.

SB 42: Providing for the establishment of a web-based online insurance verification system for the verification of evidence of motor vehicle liability insurance, eliminating the requirement that the commissioner of insurance submit certain reports to the governor and requiring certain reports be available on the insurance department's website, removing certain entities from the definition of person for the purpose of enforcing insurance law, requiring that third party administrators maintain separate fiduciary accounts for individual payors and prohibiting the commingling of funds held on behalf of multiple payors, requiring the disclosure to the commissioner of insurance of any bankruptcy petition filed by or on behalf of such administrator pursuant to the United State bankruptcy code, requiring title agents to make their reports available for inspection upon request of the commissioner of insurance instead of submitting such reports annually, standardizing the amount of surety bonds filed with the commissioner of insurance at $100,000 and eliminating the small business exemption in certain counties.

Each property and casualty insurance company licensed to issue motor vehicle liability insurance in Kansas must provide verification of liability insurance for every motor vehicle insured in Kansas through the commissioner's web-based insurance verification system. The commissioner must establish this system by July 1, 2026, following a nine-month testing period.

HB 627: AN ACT relating to insurance.

Reparation obligors must pay basic reparation benefits up to ten thousand dollars per person per accident for economic loss from motor vehicle injuries. Medical expense payments must not exceed maximum fees established under KRS 342.035. Persons providing medical services must not collect charges exceeding permitted maximums or impair credit for unpaid balances.

HB 568: AN ACT relating to public protection and declaring an emergency.

The act prohibits new public adjuster licenses and restricts existing licensees. Public adjusters must use commissioner-approved written contracts, maintain fiduciary trust accounts, provide disclosure documents, and cannot negotiate claims or have conflicts of interest. Apprentice adjusters must work under licensed adjuster supervision.

HB 265: AN ACT relating to regulatory authorizations by the commissioner of insurance.

A solvent company seeking voluntary dissolution must adopt a written dissolution plan approved by its board of directors and two-thirds of voting policyholders or members, providing for disposition of all insurance in force and full discharge of all obligations. The plan must be filed with and approved by the commissioner before trustees execute it and file articles of dissolution with the Secretary of State.

SB 153: AN ACT relating to the prevention of harmful and fraudulent practices.

Contractors must furnish persons with mailing address, phone number, and specific notices before entering real estate goods or services contracts. Contractors must not require advance payments until the cancellation period expires, must not represent themselves as public adjusters or insurance specialists, must not cause property damage to increase contract scope, and must not offer deductible rebates or excessive compensation to insureds.

HB 527: AN ACT relating to insurance regulatory requirements and declaring an emergency.

The act amends Kentucky insurance regulatory definitions and requirements. Insurers must consider complaints before issuing or renewing certificates of authority or licenses. Licensed business entities must designate individuals to act under their licenses and maintain at least one designated licensee at all times. Financial institutions engaging in insurance activities must comply with all applicable licensing provisions and provide required consumer disclosures.

HB 493: AN ACT relating to the towing and storage of motor vehicles.

Towing companies and storage facilities must obtain a towing and storage facility certificate from the department before operating. They must file a rate sheet with the department showing reasonable and customary rates. They must provide notice to vehicle owners and lienholders within ten days of towing, maintain accessible business hours with 24-hour phone availability, and accept multiple payment methods.

HB 184: AN ACT relating to insurance.

A person applying to the insurance regulatory sandbox must submit an application with a $750 filing fee, detailed innovation description, regulatory issues analysis, technical documentation if applicable, insurance authority verification, officer certification of novelty, insurance counsel information, proposed beta test terms, performance metrics, disclosure of directors/officers/owners/beneficial owners of 10% or more, and $25,000 financial guarantee. Persons cannot apply if seeking to sell innovations to government entities, lacking required insurance compliance, having more than five active beta tests, or seeking exemptions from solvency, assigned risk, licensing, or tax requirements.

HB 415: AN ACT relating to the application of Subtitle 17A of KRS Chapter 304.

Creates an exemption from Subtitle 17A of KRS Chapter 304 for specified types of insurance and coverage, including accident, credit, dental, vision, disability income, long-term care, Medicare supplement, and other limited health benefit plans, unless another statute expressly applies Subtitle 17A to them.

HB 390: AN ACT relating to motor vehicle insurance.

Insurers providing motor vehicle coverage must electronically submit vehicle identification numbers and policyholder names to the Department of Vehicle Regulation's accessible online insurance verification system beginning January 1, 2027. County clerks must verify insurance status through this system before processing vehicle registrations and titles. The Department of Vehicle Regulation must establish and operate this system by October 1, 2026.

SB 24: AN ACT relating to property and casualty insurance.

Persons must not commit fraudulent insurance acts, including knowingly presenting false statements in insurance claims or applications, issuing counterfeit insurance documents, or assisting others in committing such acts. Insurers, agents, and unauthorized insurers must not engage in fraud affecting claimants.

HB 233: AN ACT relating to the prevention of harmful practices associated with property and casualty insurance.

Contractors must not require advance payments under real estate goods or services contracts until the five business day cancellation period expires after an insured receives written notice that a claim is not covered. Contractors must tender payments and deposits within ten days of cancellation. Contractors must not misrepresent claims, cause damage to increase scope, offer deductible rebates, or pay compensation exceeding one hundred dollars to insureds.

SB 18: AN ACT relating to insurance requirements for certain vehicle business licensees.

Motor vehicle dealers, new recreational vehicle dealers, motor vehicle auction dealers, and wholesalers must maintain an approved indemnifying bond or insurance policy on file with the commission before issuance or renewal of their license. The bond or policy must provide specified liability coverage amounts and remain in continuous force until properly canceled with fifteen days' notice to the commission.

HB 1162: INSURANCE CLAIMS: Provides relative to the verification of contractors

Insurers must verify a contractor's license status through the Louisiana State Licensing Board for Contractors website or portal before issuing payment when a contractor is a named payee on a check or draft for repair or restoration of immovable property. Payment must be made within thirty days after receipt of satisfactory proof of loss and completion of verification.

HB 1117: INSURANCE: Provides relative to certain insurer contractual payments and prescriptive period

When an insurer issues an unconditional payment on a claim filed under dwelling coverage or other structures coverage of a homeowners policy, the insurer must provide written notice to the claimant that the payment does not interrupt, suspend, or otherwise extend the prescription period applicable to the claim.

HB 850: INSURANCE: Provides relative to cancellation notice requirements in the Standard Fire Policy

Amends the Standard Fire Policy cancellation notice requirements. The provisions apply to new policies issued on or after July 1, 2026, and existing policies must convert to comply by their renewal date or July 1, 2027, whichever is earlier.

HB 740: MEDICAID MANAGED CARE: Provides for independent claims review of Coordinated System of Care providers

HB 1241: CHILDREN/SUPPORT: Directs insurers to conduct data matches and to withhold and remit certain insurance and settlement payments to satisfy child support obligations (EN INCREASE SG RV See Note)

SB 276: INSURANCE DEPARTMENT: Provides for the appointment of a bail bond producer. (8/1/26) (EN +$410,830 SG EX See Note)

Before receiving an appointment, a bail bond producer must submit an affidavit to the commissioner, signed under oath and by all former insurers, stating the producer owes no premiums or unsatisfied judgments and agrees to discharge all outstanding forfeitures and judgments on previously written bonds. If the producer fails to satisfy forfeitures or judgments, the appointing insurer must immediately cancel the appointment.

HB 1151: INSURANCE: Provides relative to the equity and investments of domestic insurers

Life insurers must not acquire equity interests exceeding twenty percent of admitted assets or unlisted equity interests exceeding five percent of admitted assets. Insurers other than life insurers must not acquire equity interests exceeding fifty percent of admitted assets or one hundred percent of surplus as regards policyholders. All insurers must limit securities of a single issuer to three percent of admitted assets.

HB 941: INSURANCE: Provides with respect to additional insured coverage

The named insured, its insurer, or authorized representative must notify the additional insured in writing at least thirty days before the next annual premium is due or within seven days of binding renewal coverage, whichever is less, when additional insured coverage is purchased with expressly quoted group premium payment.

SB 241: INSURANCE DEPARTMENT: Requires the inclusion of the license number of adjusters and appraisers in all written communications. (8/1/26)

HB 739: INSURANCE: Provides relative to insurance fraud

HB 437: INSURANCE CLAIMS: Provides settlement practices for claims relative to property and rentals of motor vehicles

Insurers must limit reasonable expenses in property and rental motor vehicle claims to rental expenses or loss of use expenses only when rental coverage was not approved, except during coverage investigations under a Reservation of Rights. Insurers must provide a proof of loss form consistent with the model form specified in the act, though different font, format, or trade dress is permitted.

HB 441: INSURANCE DEPARTMENT: Provides for fees collected by the commissioner of insurance (EN +$5,311,560 SG RV See Note)

The commissioner of insurance shall collect specified fees in advance from health maintenance organizations, domestic and foreign companies, vehicle mechanical breakdown insurers, property residual value insurers, producers, claims adjusters, and public adjusters. Fees are increased effective January 1, 2026, including the annual financial regulation fee from $1,000.00 to $2,000.00 and various licensing and renewal fees.

Took effect 1 January 2026

SB 136: INSURERS: Provides for rate transparency reports. (1/1/26)

SB 137: INSURERS: Requires insurers to notify the Department of Insurance upon ceasing, pausing, or resuming the writing of policies in a particular region. (1/1/26)

Took effect 1 January 2026

SB 34: INSURANCE CLAIMS: Provides that alteration of a repair estimate without notification to the author of the estimate, supplement, or revision is a fraudulent insurance act. (8/1/25)

Took effect 1 July 2026

HB 635: INSURANCE DEPARTMENT: Establishes the Creating Holistic Options in Coverage for Enterprise and Self-Insurance (CHOICES) Law

HB 121: INSURANCE: Provides prohibitions relative to public adjusters and home improvement contractors

HB 345: INSURANCE/PROPERTY: Provides for notices relative to residential property insurance

Insurers must mail or deliver written notice of cancellation or nonrenewal of residential property insurance policies at least forty-five days prior to the effective date of cancellation or nonrenewal, except when termination is for nonpayment of premium. Insurers must include in the notice the cause for which the insurer is failing to renew the policy.

Took effect 1 July 2026

HB 122: INSURANCE: Creates the Louisiana Roof Registry (EN +$45,430 SG EX See Note)

Creates the Louisiana Roof Registry within the Department of Insurance as a voluntary registry where property owners and local/municipal governments may submit building permit information, and authorizes the commissioner to adopt rules governing the registry's operation and use of submitted information.

HB 329: INSURANCE DEPARTMENT: Provides for the disposition of proceeds from certain taxes and fees collected by the Department of Insurance

Took effect 1 July 2026

HB 401: INSURANCE DEPARTMENT: Provides relative to certain assessed fees on direct premiums of insurers

Amends the Insurance Fraud Investigation Dedicated Fund Account to require unexpended and unencumbered monies at fiscal year end be refunded to insurers on a pro-rata basis rather than retained, and repeals a fee reduction provision.

HB 438: INSURANCE/RATES: Provides relative to advertising expenses and prohibits use of certain expenses in setting insurance rates

Insurers shall not consider institutional advertising expenses when setting rates. Institutional advertising expenses are defined as advertising not aimed at obtaining business for a specific insurer nor providing consumers with information pertinent to the decision whether to purchase an insurance product.

Took effect 1 January 2026

SB 40: INSURANCE DEPARTMENT: Updates licensure requirements for persons regulated by the Department of Insurance. (8/1/25)

Life insurance producers and consultants, accident and health insurance producers and consultants, property and casualty insurance producers and consultants, and adjusters and public adjusters must complete twenty-four hours of approved continuing education prior to license renewal, including at least three hours on ethics and at least two hours on legislative updates in insurance law. Individuals employed by insurers may adjust losses not exceeding five hundred two thousand dollars without a license.

HB 148: INSURANCE: Requires insurers to provide prior premium amounts with renewals of certain insurance policies and repeals the distinction between competitive and noncompetitive markets with respect to the regulation of insurance rates

Insurers must provide prior premium amounts with renewals of certain insurance policies. Rates, supplementary rate information, and supporting information filed by insurers shall be open to public inspection upon expiration of the notification period or upon disapproval, except for information deemed confidential, trade secret, or proprietary by the commissioner.

LD 1970: An Act To Amend The Laws Regarding Consent For Hiv Testing And Disclosure Of Related Medical Information For Insurance Purposes

Health care providers must obtain a patient's informed consent before performing an HIV test, except for repeated testing to monitor established infection. Patients must be informed orally or in writing about what HIV infection involves and the meaning of test results, and must have the opportunity to ask questions. Health care providers may disclose HIV test results to other health care providers working directly with the patient only for direct medical or dental care purposes.

LD 881: An Act To Establish An Apprentice Insurance Producer License

A licensed insurance producer who employs an apprentice insurance producer licensee must supervise the apprentice and assume responsibility for all acts of the apprentice for a period not to exceed 10,000 hours. An individual may not act as an apprentice insurance producer without a license issued by the superintendent.

LD 270: Resolve, Regarding Legislative Review Of Portions Of Chapter 850: Health Plan Accountability, A Major Substantive Rule Of The Department Of Professional And Financial Regulation, Bureau Of Insurance

Authorizes final adoption of the Department of Professional and Financial Regulation's Chapter 850 Health Plan Accountability rule only if two amendments are made: replacing name and title requirements with credential attestations and non-involvement confirmations, plus carrier contact information requirements in adverse decision notices.

LD 720: An Act To Protect Federal Home Loan Banks That Lend Money To Insurer Members That Become Delinquent

A federal home loan bank must repurchase excess capital stock held by an insurer member within 7 days of receiving a redemption request, subject to federal law and capital plan constraints. Within 10 days of a receiver's appointment, the federal home loan bank must provide the superintendent a process and timeline for releasing collateral, paying fees, and redeeming stock. Upon superintendent request, the federal home loan bank must provide loan renewal or restructuring options.

HB 1091: Health Insurance and Dental Plan Organizations - Dentists - Assignment of Benefits and Reimbursement of Nonpreferred Providers

Insurers may not prohibit assignment of benefits to dentists or refuse to directly reimburse nonpreferred dentists. Dental plan organizations may not prohibit assignment of benefits to dentists or refuse to directly reimburse nonpreferred dentists. Nonpreferred dentists seeking assignment of benefits must provide specified disclosures to enrollees before performing services and submit disclosure forms to document assignments.

Takes effect 1 January 2027

HB 1387: Maryland Automobile Insurance Fund - Fund Producer Commission Rate

The Maryland Automobile Insurance Fund must pay commissions to fund producers for private passenger auto insurance at a rate not to exceed 15% of total premium, and for other insurance not to exceed 10% of total premium. The Fund must not pay commissions on policies written directly by the Fund without fund producer involvement.

Took effect 1 October 2026

HB 1616: Mutual Insurance Holding Companies - Conversion to Mutual Insurers

A mutual insurance holding company that directly or indirectly owns 100% of a reorganized stock insurer's capital stock may convert its system into a mutual insurer by adopting and obtaining approval of a plan of conversion. The plan requires member approval by at least 75% vote and must be submitted to the Maryland Insurance Commissioner at least 60 days before the effective date.

Took effect 1 October 2026

HB 816: Maryland Automobile Insurance Fund - Affordability Program and Industry Automobile Insurance Association Assessments

The Executive Director of the Maryland Automobile Insurance Fund must establish an affordability program limiting maximum premium rates for private passenger auto insurance to individuals with household income not exceeding 250% of the federal poverty level, subject to Commissioner approval and conditions that overall inadequacy not exceed 20% of net written premium and assessment allocation percentage not exceed 1%.

SB 469: Maryland Automobile Insurance Fund - Affordability Program and Industry Automobile Insurance Association Assessments

The Executive Director of the Maryland Automobile Insurance Fund must establish an affordability program limiting maximum premium rates for private passenger auto insurance to individuals with household income not exceeding 250% of the federal poverty level, subject to Commissioner approval and conditions that overall inadequacy not exceed 20% of net written premium and assessment allocation percentage not exceed 1%.

SB 637: Maryland Automobile Insurance Fund - Fund Producer Commission Rate

The Maryland Automobile Insurance Fund must pay fund producers a commission for private passenger auto insurance at a rate determined by the Fund but not exceeding 15% of total premium. The Fund must not pay commissions on policies written directly by the Fund without fund producer involvement.

Took effect 1 October 2026

SB 982: Mutual Insurance Holding Companies - Conversion to Mutual Insurers

A mutual insurance holding company that owns 100% of a reorganized stock insurer's capital stock may convert its system into a mutual insurer by adopting and approving a plan of conversion. The plan must be approved by at least 75% of voting members and submitted to the Maryland Insurance Commissioner at least 60 days before the effective date.

Took effect 1 October 2026

HB 38: Financial Institutions - Licensing of Affiliated Insurance Producer-Mortgage Loan Originators - Alterations

The Commissioner of Financial Regulation must approve financial institutions and mortgage lenders that meet specified criteria before they can sponsor affiliated insurance producer-mortgage loan originators. Affiliated insurance producer-mortgage loan originators must originate mortgage loans only on behalf of an approved sponsor and comply with restrictions on compensation, borrower fund handling, and referrals.

Took effect 1 October 2026

HB 277: Insurance – Third Party Administrators – Enforcement

The Maryland Insurance Commissioner may deny, refuse to renew, suspend, or revoke a third party administrator's registration if the administrator makes material misstatements in applications, obtains registration fraudulently, has been convicted of felonies or misdemeanors involving moral turpitude, commits fraud or engages in illegal or dishonest activities in plan administration, violates the Insurance Article or other state insurance laws, or violates a Commissioner order.

Took effect 1 October 2026

HB 442: Professional Liability Insurance Coverage - Nursing Homes, Assisted Living Facilities, Nurse Midwives, and Licensed Certified Midwives - Disclosure (Nyeli Rose Lewis Act of 2026)

Nursing homes, assisted living programs, nurse midwives, and licensed certified midwives must notify residents, prospective residents, or patients in writing or by written electronic communication if they do not maintain professional liability insurance coverage or if coverage has lapsed. Notifications must be signed and retained as records. Facilities and practitioners without coverage must post conspicuous notices.

Took effect 1 October 2026

SB 293: Professional Liability Insurance Coverage - Nursing Homes, Assisted Living Facilities, Nurse Midwives, and Licensed Certified Midwives - Disclosure (Nyeli Rose Lewis Act of 2026)

Nursing homes, assisted living programs, nurse midwives, and licensed certified midwives must notify residents, prospective residents, or patients in writing or by written electronic communication if they do not maintain professional liability insurance coverage or if such coverage has lapsed and not been renewed. Notifications must be signed and retained in records. Facilities and practitioners without coverage must post conspicuous notice.

Took effect 1 October 2026

HB 1251: Hospitals and Medical Professional Liability Insurers - Obstetric Services Policies (Doula and Birth Policy Transparency Act)

Health care facilities providing obstetric care must adopt and provide evidence to the Maryland Department of Health of a policy allowing certified doulas at birth, prioritizing newborn bonding, prohibiting significant medical interventions without informed consent, detailing processes for receiving medical information from health care providers, and establishing transfer processes for pregnant persons. Insurers issuing medical professional liability insurance in the State must provide the Department information regarding their obstetric services coverage policies upon request.

Took effect 1 October 2025

HB 848: Health Insurance - Adverse Decisions - Notices, Reporting, and Examinations

Carriers must include specific information in prominent bold print at the top of adverse decision and grievance decision notices, including that the notice is a denial, the member may appeal or file a complaint, and contact information for the private review agent's dedicated phone and email. Carriers must submit quarterly reports to the Commissioner aggregated by zip code, and if adverse decisions for a service type grow more than 10% annually or 25% over three years, must describe contributing changes and efforts to determine reasons for the increase.

Took effect 1 October 2025

HB 936: Health Insurance - Cancellation and Nonrenewal of Coverage - Required Notice

A carrier must send notice of cancellation or nonrenewal of a health benefit plan to each enrolled employee within 7 days by both certified mail with return receipt requested and by electronic means complying with § 27–601.2. The notice must include information on additional health benefit coverage options including COBRA and Maryland Health Benefit Exchange plans.

Took effect 1 July 2025

SB 474: Health Insurance - Adverse Decisions - Notices, Reporting, and Examinations

Carriers must include specific information in adverse decision and grievance decision notices, including prominent bold print stating the notice is a denial, that members may appeal or file complaints, and a dedicated telephone number and email address for utilization review. Private review agents must post utilization review criteria on member and provider website pages and maintain a dedicated telephone number and monitored email address responding within 2 business days.

Took effect 1 June 2025

SB 956: Health Insurance - Medicare Supplement Policies - Insurance Producer Commission

A carrier must pay the same commission rate to a broker for the sale of a Medicare supplement policy sold during a guaranteed issue period as for a Medicare supplement policy sold during an open enrollment period. This applies to Medicare policies issued under specified statute or to individuals at least 65 years old.

Took effect 1 October 2025

HB 100: Insurance Pooling - Public Entity - Definition

Adds a Resilience Authority as defined in Local Government Article Section 22-101 to the definition of 'public entity' for purposes of insurance pooling under Insurance Article Section 19-602, effective October 1, 2025.

Took effect 1 October 2025

SB 228: Limited Line Credit Insurance - Qualification of Applicants

Insurers that provide programs of instruction for limited line credit insurance applicants must design programs to provide comprehensive and accurate product explanations and retain instructional records and applicant completion lists for at least 5 years after last use, making them available to the Commissioner upon request.

Took effect 1 October 2025

S 785: An Act relative to insurance claims

Companies as defined in chapter 175 and non-admitted or surplus lines insurers must not include in property and casualty insurance policies any language, form, or endorsement that prohibits an insured from hiring, retaining, engaging, utilizing, consulting, or contracting with a public insurance adjuster as a condition to recovery. Any such language is unenforceable and must be excised from the policy.

HB 1332: Insurance producer license; require testing service administering examinations to adhere to National Association of Insurance Commissioners Standards.

A testing service under contract with the Commissioner of Insurance to administer examinations for an insurance producer license must develop, administer and score the examinations in accordance with the standards and best practices developed and set forth by the National Association of Insurance Commissioners.

Took effect 1 July 2026

HB 1174: Public adjusters licensure; revise provisions related to.

Public adjusters must obtain and maintain a surety bond or irrevocable letter of credit of at least fifty thousand dollars before licensure. All funds received on behalf of insureds must be deposited into separate noninterest-bearing fiduciary trust accounts within two business days and disbursed within thirty calendar days. Contracts must be in writing with specified terms and are revocable by insureds for five business days.

Took effect 1 July 2025

HB 1611: Property and casualty insurance coverage; require 45-day notice before change in coverage of.

Insurers must mail or deliver written notice to insureds and named creditor loss payees not less than 45 days before the effective date of renewal, cancellation, reduction of coverage, or nonrenewal of property and casualty insurance, automobile insurance, and workers' compensation insurance. If insurers fail to provide required notice, insureds may continue policies for 45-day increments at existing premium rates until notice is provided.

Took effect 1 July 2025

SB 2401: Study Committee on the certification of Health Benefit Plans and Insurers; create.

Creates a study committee to examine certification of health benefit plans and health insurance issuers, their financing and delivery of health care services, and related regulatory matters, requiring the committee to report findings and recommendations by December 1, 2025.

Took effect 1 July 2025

SB 2412: Insurance Holding Company Act; include NAIC Group Capital Calculation test requirements.

The ultimate controlling person of every insurer subject to registration must file an annual group capital calculation in accordance with NAIC Group Capital Calculation Instructions and an annual enterprise risk report. Insurers scoped into the NAIC Liquidity Stress Test Framework must file liquidity stress test results. Certain insurance holding company systems are exempt from group capital calculation filing.

Took effect 1 July 2025

SB 916: Modifies provisions relating to sovereign immunity

Public entities must waive sovereign immunity for negligent acts or omissions by public employees arising from motor vehicle operation and for injuries from dangerous property conditions when negligence created the condition or the entity had notice. Agents of the Missouri Department of Transportation replace private contractors' liability for design, condition, or maintenance claims under specified circumstances.

HB 281: Provide statutory appropriation of reinsurance program assessments

Adds section 33-22-1321 to the list of laws containing statutory appropriations in section 17-7-502, thereby authorizing the commissioner to spend reinsurance program assessments collected under 33-22-1313 without requiring biennial legislative appropriation.

SB 60: Revise insurance premium taxes for certain captive insurers

Each captive insurance company must pay to the commissioner on or before March 1 of each year a tax on direct premiums collected at 0.4% on the first $20 million and 0.3% on each subsequent dollar, and a tax on assumed reinsurance premiums at tiered rates. A minimum annual tax of $5,000 applies unless calculated taxes exceed this amount, subject to a $100,000 annual cap for non-protected cell captive insurance companies.

HB 114: Generally revise consumer protection laws

Insurance producers may not hold themselves out as financial planners or specialists without formal certifications, and must disclose to clients that they are insurance producers who will receive commissions in addition to planning fees. Insurance producers charging planning fees must provide written signed agreements specifying services, fees, and client purchase obligations before performing services.

HB 464: Revise insurance laws relating to interest of a named insured and change of interest by transfer on death

Insurance coverage on real property transferred by transfer on death deed must be extended to cover losses to the designated beneficiary as if they were the named insured. The beneficiary's temporary coverage terminates at the earlier of 45 days after the owner's death, the policy expiration date, or placement of the beneficiary's replacement policy.

HB 78: Adopt pet insurance model act

Pet insurers must disclose policy exclusions, limits, waiting periods, and claim payment bases before sale. Insurance producers must complete 2 hours of training on pet insurance topics within 24 months and annually thereafter. Pet insurers cannot market wellness programs as insurance or require them for policy purchase.

LB 967: Change provisions relating to insurance fees, licensing, and trade practices, pharmacy benefit managers, mutual insurance holding companies, the Population Health Information Act, the Health Information Technology Board, and the Site and Building Development Act and adopt the Nebraska Protection of Seniors from Insurance Exploitation Act

Beginning January 1, 2027, health insurance plans, their contractors, and affiliates must not restrict claim payment methods to credit, charge, or debit cards only. Insurers must provide training to supervisors and employees on identifying financial exploitation of eligible adults. Pharmacy benefit managers must immediately notify the director of material changes in ownership, control, or qualification.

LB 608: Change insurance provisions relating to firefighters and include correctional officers, youth detention officers, certain disabled persons, and their children in the First Responder Recruitment and Retention Act

State universities, state colleges, and community colleges must waive one hundred percent of resident tuition charges remaining after federal and state aid for first responders, correctional officers, youth detention officers, eligible disabled persons, and their qualifying children pursuing qualifying degrees. The Coordinating Commission for Postsecondary Education must reimburse state universities fifty percent of tuition waivers for correctional officers, youth detention officers, and eligible disabled persons beginning July 1, 2028.

LB 326: Change provisions relating to the Unfair Insurance Trade Practices Act, the Nebraska Property and Liability Insurance Guaranty Association Act, and mutual insurance holding companies and eliminate the provisions of the Health Insurance Access Act and the Health Care Purchasing Pool Act

LB 325: Change provisions relating to qualifications and requirements for the board of directors of an insurance corporation

Insurance corporations must have a board of directors of not less than five persons, with at least one resident of Nebraska, unless they file an affidavit meeting five criteria and receive a five-year waiver. Directors must not be convicted felons, must be of good moral character with practical knowledge of insurance, finance, or investment, and if the company is mutual, must be policyholders.

LB 527: Adopt the Medicaid Access and Quality Act and change provisions relating to taxes on health maintenance organizations, prepaid limited health service organizations, and insurance companies

Health maintenance organizations must pay a six percent tax on non-medicare direct writing premiums to the Director of Insurance by January 1, 2026. The Department of Health and Human Services must use the resulting Medicaid Access and Quality Fund to enhance rates for nonhospital providers of physical health services and establish primary care medical home fees.

HB 1194: relative to credits for assessments paid by insurers and relative to the application of criminal gambling statutes.

Member insurers may offset assessments paid to the New Hampshire Life and Health Insurance Guaranty Association against tax liability under RSA 400-A at 10 percent per year for 10 consecutive calendar years following the year the assessment was paid. If a member insurer ceases doing business, all uncredited assessments may be credited against tax liability for that year.

Took effect 15 July 2026

HB 1197: making technical corrections to certain insurance laws.

Insurers, producers, and insurance claims adjusters must provide documents and information to the commissioner within 10 working days upon request. Insurance companies must file annual financial statements by March 15th. Carriers must file claim determination procedures and appeal procedures upon the commissioner's request.

Takes effect 1 January 2027

HB 737: DOI Omnibus Bill.

Insurers must file annual group capital calculation reports and liquidity stress test results with the lead state commissioner. Insurers must maintain continuous liability coverage or demonstrate alternative financial responsibility. Landlords may charge tenants only actual insurance costs plus a fifty dollar annual administrative fee if tenants fail to provide proof of required coverage within three business days.

HB 1010: AN ACT to provide an appropriation for defraying the expenses of the insurance commissioner; to create and enact a new section to chapter 26.1-23.1 of the North Dakota Century Code, relating to a government self-insurance pool report; to amend and reenact subsection 8 of section 10-04-10 and section 26.1-01-09 of the North Dakota Century Code, relating to fees charged by the securities division and the salary of the insurance commissioner; and to provide for a legislative management report.

SB 2374: AN ACT to create and enact two new sections to chapter 26.1-30, two new sections to chapter 26.1-39, a new section to chapter 26.1-44, and a new subsection to section 26.1-46-03 of the North Dakota Century Code, relating to mandatory arbitration endorsements for property insurance, managed repair programs, civil remedy actions against property insurers, notice of property insurance claims, and surplus lines insurance policies; to amend and reenact sections 26.1-02-05, 26.1-25-02.1, 26.1-25-16, 26.1-26-04.1, 26.1-44-03, 26.1-46-01, 26.1-46-08, and 26.1-46-08.1 of the North Dakota Century Code, relating to exceptions to unauthorized insurance transactions, exceptions for large commercial risks in fire, property, and casualty insurance rates, surplus lines insurance, risk retention groups and purchasing groups, restrictions on insurance purchased by purchasing groups, and purchasing group taxation and fees; to repeal section 26.1-44-03.3 of the North Dakota Century Code, relating to an exemption from search requirements for licensed surplus line producers; to provide for a legislative management report; and to provide a penalty.

Insurers must obtain written acceptance from named insureds for mandatory binding arbitration endorsements on property policies, with clear disclosure of waived rights including jury trial and the premium discount amount. Insurers offering managed repair programs must prominently disclose vendor restrictions and provide separate disclosure forms. Insurers must comply with notice requirements for property insurance claims, barring claims not reported within one year of loss or supplemental claims not reported within eighteen months.

HB 1584: AN ACT to create and enact four new sections to chapter 26.1-27.1 of the North Dakota Century Code, relating to pharmacy benefits managers and a pharmacy benefit manager enforcement fund; to amend and reenact subsection 1 of section 26.1-01-07, sections 26.1-27.1-01, 26.1-27.1-02, 26.1-27.1-04, 26.1-27.1-06 and 26.1-27.1-07 of the North Dakota Century Code, relating to pharmacy benefits managers; to repeal section 26.1-27-01.1 and chapter 26.1-36.10 of the North Dakota Century Code, relating to pharmacy benefits managers and prescription drug costs; to provide a penalty; to provide an appropriation; to provide for a transfer; to provide an effective date; to provide an expiration date; and to declare an emergency.

A pharmacy benefits manager must hold a certificate of registration as an administrator under chapter 26.1-27. Pharmacy benefits managers must comply with drug substitution rules, cannot require participation in one contract to participate in another, must offer opt-in contracts with thirty days to respond, and must allow pharmacies to opt-out with ninety-day notice.

HB 1027: AN ACT to amend and reenact sections 26.1-01-03, 26.1-22-01, 26.1-22-02, 26.1-22-02.1, 26.1-22-03.1, 26.1-22-09, 26.1-22-10, 26.1-22-11, 26.1-22-14, 26.1-22-16, 26.1-22-17, 26.1-22-21, and 26.1-22-22, subdivisions a and c of subsection 1 of section 26.1-23.1-01, and section 37-03-13 of the North Dakota Century Code, relating to changing the administration of the state fire and tornado fund from the insurance commissioner to the office of management and budget; to repeal sections 26.1-22-03, 26.1-22-05, 26.1-22-06, 26.1-22-06.1, 26.1-22-08, 26.1-22-10.1, 26.1-22-13, 26.1-22-15, 26.1-22-18, 26.1-22-19, and 26.1-22-21.1 of the North Dakota Century Code, relating to the administration of the state fire and tornado fund; to provide for a legislative management study; and to provide a continuing appropriation.

The office of management and budget must manage the state fire and tornado fund, provide insurance coverage to state agencies, political subdivisions, and winter shows against fire, tornado, windstorm, and other specified perils, certify assessments, and procure excess loss reinsurance. Insured entities must report property values and pay assessments within sixty days.

SB 2375: AN ACT to create and enact a new section to chapter 43-28 of the North Dakota Century Code, relating to joint negotiations by dental providers with dental insurers.

Two or more dental providers may jointly negotiate with dental insurers on non-fee matters without commissioner permission. Upon finding substantial market power and threat to care quality, they may jointly negotiate fees with commissioner approval. A joint negotiation representative must obtain express commissioner permission and submit proposed and negotiated contracts for commissioner approval within specified timeframes.

HB 1481: AN ACT to create and enact two new sections to chapter 26.1-36.9 of the North Dakota Century Code, relating to dental insurer rate requirements and reporting; and to provide an effective date.

Dental insurers must annually file proposed plan rates and group rating factors with the commissioner for the following January first. The commissioner must disapprove rates that are excessive, inadequate, unreasonable, or have a dental loss ratio below eighty-three percent. Dental insurers must refund excess premiums when the annual dental loss ratio falls below eighty-three percent.

HB 1088: AN ACT to amend and reenact section 26.1-01-03.3 of the North Dakota Century Code, relating to penalties for violation of the insurance title; and to provide a penalty.

SB 2124: AN ACT to create and enact section 26.1-03-19.8 and a new section to chapter 26.1-03 of the North Dakota Century Code, relating to insurance company inquiries and insurance company statements; and to amend and reenact section 26.1-03-19.1 and subsection 6 of section 26.1-03-19.4 of the North Dakota Century Code, relating to insurance company definitions and examination records.

Insurance companies must reply in writing to data calls issued by the commissioner within twenty days of receipt unless an extension is granted. The commissioner may inquire into any person or business to the extent necessary or material to the company's operations. The commissioner may require foreign or domestic insurance companies to annually file a market conduct annual statement.

SB 2348: AN ACT to create and enact a new section to chapter 15-10 and a new chapter to title 50 of the North Dakota Century Code, relating to the acceptance of health care sharing ministries by an institution of higher education and health care sharing ministries' exemptions from insurance laws and regulations.

Health care sharing ministries must be recognized as tax exempt under IRC section 501(c)(3), limit participants to those sharing common ethical or religious beliefs, provide monthly reports of shared needs, conduct annual independent audits, and include specific written disclaimers on applications explaining the organization is not insurance and participation is voluntary.

SB 2088: AN ACT to amend and reenact subsection 4 of section 26.1-02.2-01, sections 26.1-02.2-05 and 26.1-02.2-07, and subsection 1 of section 26.1-02.2-08 of the North Dakota Century Code, relating to data security requirements for insurance producers; and to repeal section 26.1-02.2-11 of the North Dakota Century Code, relating to implementation dates for certain data security requirements for insurance producers.

Licensees must notify the commissioner within seventy-two hours of determining a cybersecurity event involving nonpublic information has occurred, if the licensee's state of domicile or home state is North Dakota and the event has reasonable likelihood of materially harming a consumer or operations, or involves two hundred fifty or more consumers. Notification must include specified details about the event, affected consumers, and remediation efforts.

SB 2125: AN ACT to create and enact section 26.1-26-33.1 of the North Dakota Century Code, relating to obligations of insurance producers to maintain an electronic mailing address for regulatory use; to amend and reenact sections 26.1-26-11, 26.1-26-22, 26.1-26-42.1, 26.1-26.8-09, 26.1-26.8-11, and 26.1-26.8-12 of the North Dakota Century Code, relating to producer's lines of insurance, service of process for producer proceedings, revocation of nonresident producer licenses, requirements for renewal of business entity public adjuster licenses, public adjuster proof of insurance requirements, and public adjuster continuing education requirements.

Insurance producers must maintain an electronic mailing address for regulatory use and continually monitor it for regulatory communications from the commissioner. Public adjusters must maintain a surety bond or proof of insurance of at least twenty thousand dollars. Business entity public adjusters must renew licenses within ninety days preceding expiration.

HB 1087: AN ACT to amend and reenact sections 26.1-27-03 and 26.1-27.1-02 of the North Dakota Century Code, relating to licensing for administrators of life and health insurance and pharmacy benefit managers.

A person may not act as or hold oneself out to be an administrator of life and health insurance in North Dakota without a license issued by the commissioner. A pharmacy benefits manager must hold a license as an administrator under chapter 26.1-27. Applications require a one hundred dollar filing fee and annual renewal requires a fifty dollar fee.

HB 1123: AN ACT to amend and reenact sections 26.1-01-07 and 26.1-26-13.4, subsection 4 of section 26.1-26.8-04, subdivision b of subsection 1 of section 26.1-26.8-05, subdivision a of subsection 1 of section 26.1-26.8-06, subdivision b of subsection 1 of section 26.1-26.8-09, subdivision b of subsection 2 of section 26.1-26.8-09, and subsections 2 and 4 of section 26.1-27-03 of the North Dakota Century Code, relating to fees charged by the insurance commissioner.

HB 1124: AN ACT to amend and reenact sections 26.1-10-01, 26.1-10-04, 26.1-10-05, and 26.1-10-07 of the North Dakota Century Code, relating to the standards and management of an insurer with an insurance holding company system and the confidential treatment of investigation and examination records of insurance holding companies.

Insurers in insurance holding company systems must register with the commissioner and file annual registration statements disclosing capital structure, ownership, affiliates, and material transactions. Ultimate controlling persons must file annual enterprise risk reports and group capital calculations. Insurers must comply with standards for affiliate transactions including fair terms, reasonable charges, and adequate surplus maintenance.