Maryland insurance laws
What Maryland has enacted on insurance, what each law requires, and what the bills still moving would do. Maryland is one of 51 states that enacted an insurance law in the 2025 and 2026 sessions.
9 new Maryland laws take effect in 2027, 8 on insurance
- Bills in scope
- 208bills in scope
- Past committee
- 120past committee
- Most recent action
- 31 May 2026most recent action
Insurance laws enacted in Maryland
91 insurance laws enacted in the Maryland Legislature in the 2025 and 2026 sessions, newest first. Each links to the legislature's own page.
- SB 496Maryland Medical Assistance Program - Coverage for the Treatment of Obesity - AuthorizationTook effect 1 October 2026
What it requires: Beginning January 1, 2027, the Maryland Medical Assistance Program may provide comprehensive coverage for the treatment of obesity, including intensive behavioral therapy, bariatric surgery, and FDA-approved medications for chronic weight management. If the Department elects to provide this coverage, it must notify Program recipients.
Health coverage and plan regulation
- HB 1091Health Insurance and Dental Plan Organizations - Dentists - Assignment of Benefits and Reimbursement of Nonpreferred ProvidersTakes effect 1 January 2027
What it requires: 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.
Health coverage and plan regulation, Licensing, solvency and market conduct
What it requires: Carriers must send written notice within 15 days of receiving a completed provider application stating intent to continue processing or rejection, sent to the email or mailing address listed. Carriers must accept or reject providers within 30-60 days and send written notice. Carriers must update provider directories at least every 15 days using the online credentialing system as primary information source. Carriers cannot charge application fees or limit numbers of behavioral health providers, federally qualified health center providers, local health department providers, school-based health center providers, or other essential community providers.
Health coverage and plan regulation
- HB 1118Health, Health Insurance, and Health Occupations - Perinatal Behavioral Health ConditionsTook effect 1 October 2026
What it requires: Carriers must provide standing referrals to mental health care providers for members during pregnancy and 1 year after birth. Insurers, nonprofit health service plans, and health maintenance organizations must cover screening for perinatal mental health conditions at each prenatal visit, within 6 weeks postpartum, and at each well child visit within the first year. Health care providers must provide perinatal mental health information to patients and conduct screenings. Applicants renewing health occupation licenses must complete 2 continuing education credit hours on perinatal mental health conditions.
Health coverage and plan regulation
- HB 1216Insurance – Certificates of Guarantee for County Bond Requirements – All CountiesTook effect 1 October 2026
What it does: Authorizes all counties to honor certificates of guarantee issued by nonprofit contractor associations to satisfy county bond requirements for public improvements, while clarifying that no county is required to honor such certificates.
Workers' compensation, surety and specialty lines
- HB 1219Climate Change, Homeowner's Insurance, and Emergency Management - StudyTook effect 1 June 2026
What it does: Requires the University System of Maryland to conduct a study evaluating the relationship between climate change, homeowner's insurance availability and pricing, and emergency preparedness, with findings due by July 1, 2027, and authorizes up to $100,000 from the Strategic Energy Investment Fund for the study.
Property, catastrophe and climate risk
- HB 1365Health Occupations, Public Health, and Insurance - Menopause - Provider Training Coverage Requirements, Policy Initiatives, and Access to CareTook effect 1 July 2026
What it requires: Insurers, nonprofit health service plans, and health maintenance organizations must provide coverage for the evaluation and management of menopause and menopause-associated symptoms as determined by the treating health care provider. Health occupations boards must grant at least 2 hours of continuing education credits for every 1 hour of continuing education on menopause completed by licensees or certificate holders.
Health coverage and plan regulation
What it requires: 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.
Auto insurance, Licensing, solvency and market conduct
What it requires: 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.
Licensing, solvency and market conduct
- HB 445Maryland Medical Assistance Program and Health Insurance - Coverage for Orthoses and Prostheses (So Every Body Can Move Act)Takes effect 1 January 2027
What it requires: Beginning January 1, 2027, insurers, nonprofit health service plans, and health maintenance organizations must provide annual coverage for orthoses, orthosis components, repairs, and replacements. Coverage must include all orthoses a treating health care provider determines medically necessary for activities of daily living, job-related activities, or physical activities to maximize health and limb function. The Maryland Medical Assistance Program must provide the same orthosis coverage.
Health coverage and plan regulation
- HB 684Health Insurance - Material Changes to Provider Networks - Notification and Special Enrollment PeriodTook effect 1 October 2026
What it requires: Carriers must notify enrollees of termination of primary care providers and behavioral health care providers within 3 months of claims, including contact information and instructions for transitional care. Carriers and health systems must provide 90 days' written notice before contract termination or nonrenewal. Carriers and health systems must continue adhering to contract terms for 90 days after termination. Carriers must provide special enrollment periods for individuals whose providers are terminated from the plan.
Health coverage and plan regulation
- HB 746Maryland Medical Assistance Program and Health Insurance - Collaborative Care Model - Cost Sharing Prohibition and Coverage RequirementsTook effect 1 July 2026
What it requires: The Maryland Department of Health may not impose copayments, coinsurance, or deductibles for Collaborative Care Model services provided to Program recipients. Insurers, nonprofit health service plans, and health maintenance organizations may not impose such cost sharing for Collaborative Care Model services, except that high-deductible health plan enrollees may be subject to the plan's deductible.
Health coverage and plan regulation
- HB 816Maryland Automobile Insurance Fund - Affordability Program and Industry Automobile Insurance Association AssessmentsEnacted 26 May 2026
What it requires: 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%.
Auto insurance, Licensing, solvency and market conduct
- SB 276Maryland Medical Assistance Program and Health Insurance - Coverage for Orthoses and Prostheses (So Every Body Can Move Act)Takes effect 1 January 2027
What it requires: Beginning January 1, 2027, insurers, nonprofit health service plans, and health maintenance organizations must provide annual coverage for orthoses, orthosis components, repairs, and replacements. The Maryland Medical Assistance Program must provide the same coverage. Coverage must include all orthoses a treating health care provider determines medically necessary for daily living, job activities, or physical activities to maximize health and limb function.
Health coverage and plan regulation
- SB 428Maryland Medical Assistance Program and Health Insurance - Collaborative Care Model - Cost Sharing ProhibitionTook effect 1 July 2026
What it requires: The Maryland Department of Health must implement and provide reimbursement for Collaborative Care Model services statewide in primary care settings and may not impose copayments, coinsurance, or deductibles for such services. Insurers, nonprofit health service plans, and health maintenance organizations must provide coverage for Collaborative Care Model services and may not impose cost-sharing except deductibles for high-deductible health plans.
Health coverage and plan regulation
- SB 469Maryland Automobile Insurance Fund - Affordability Program and Industry Automobile Insurance Association AssessmentsEnacted 26 May 2026
What it requires: 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%.
Auto insurance, Licensing, solvency and market conduct
- SB 521Health Insurance - Material Changes to Provider Networks - Notification and Special Enrollment PeriodTook effect 1 October 2026
What it requires: Carriers must notify enrollees of provider terminations including behavioral health providers with claims in the prior 3 months, offer 90-day continuity of care, and provide contact information and complaint procedures. Carriers and health systems must give 90 days' notice before terminating contracts and continue adhering to contract terms for 90 days post-termination. Carriers must provide special enrollment periods for patients of terminated providers.
Health coverage and plan regulation
What it requires: 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.
Auto insurance, Licensing, solvency and market conduct
- SB 739Climate Change, Homeowner's Insurance, and Emergency Management - StudyTook effect 1 June 2026
What it does: Requires the University System of Maryland to conduct a study evaluating the relationship between climate change, homeowner's insurance availability and pricing, and emergency preparedness, with findings and recommendations due to the General Assembly by January 1, 2027.
Property, catastrophe and climate risk
- SB 747Condominiums - Unit Owner Responsibility for Damage or Destruction and Mandatory Insurance CoverageTook effect 1 October 2026
What it requires: Unit owners in residential condominiums (except detached units in all-detached condominiums) must maintain a condominium unit owner insurance policy including coverage for the council's property insurance deductible, personal property, loss of use for 12 months, $500,000 personal liability, $25,000 loss assessment, and dwelling coverage of at least $25,000 or the amount necessary to repair alterations and improvements. Unit owners are responsible for repair costs up to the least of total cost, the council's deductible, or $25,000 if damage originates from their unit. Councils must annually notify unit owners of these responsibilities.
Property, catastrophe and climate risk
- SB 794Health Insurance - Special Enrollment Period for Pregnancy - Coverage Effective DateTakes effect 1 January 2027
What it requires: Carriers must provide a special enrollment period of 90 days beginning when a health care practitioner confirms pregnancy for individuals or their dependents purchasing coverage through the Individual Exchange or outside it. During this period, individuals may choose whether coverage becomes effective on the first day of the month of pregnancy confirmation or the first day of the month following plan selection. If the individual fails to select, the carrier must select one of these dates.
Health coverage and plan regulation
What it requires: Carriers must send written notice within 5 or 15 days of receiving a completed provider application stating intent to continue processing or rejection. Carriers must accept the uniform credentialing form as sole application for provider credentialing. Carriers cannot limit numbers of behavioral health providers, federally qualified health center providers, local health department providers, school-based health center providers, or other essential community providers on panels.
Health coverage and plan regulation
- SB 865Workgroup on the Affordability of Private Passenger Automobile Insurance – Extension and Alteration of Membership and DutiesTook effect 1 June 2026
What it requires: The Maryland Insurance Administration shall establish a workgroup to study private passenger automobile insurance affordability and develop data-driven, concrete legislative recommendations regarding territorial rating and other rating factors by January 1, 2027, through a process involving recorded voting.
Auto insurance
What it requires: The Maryland Insurance Administration may not charge or collect premium receipts tax, fees, penalties, or interest accrued before the effective date from unauthorized insurers or insureds exempt under the act's captive insurance exemption for nonprofit hospitals and health care systems. The Administration must study captive insurance use, regulation, and taxation by December 1, 2027.
Workers' compensation, surety and specialty lines
- SB 891Health, Health Insurance, and Health Occupations - Perinatal Behavioral Health ConditionsTook effect 1 October 2026
What it requires: Carriers must provide standing referrals to mental health care providers for pregnant members and 1 year postpartum. Insurers, nonprofit health service plans, and health maintenance organizations must cover screening for perinatal mental health conditions at prenatal visits, within 6 weeks postpartum, and at well child visits within the first year. Health care providers evaluating pregnancy or postpartum care must provide information and conduct screenings. License renewal applicants managing perinatal populations must complete 2 continuing education credit hours on perinatal mental health conditions by April 1, 2027.
Health coverage and plan regulation
- SB 892Health Occupations, Public Health, and Insurance - Menopause - Provider Training Coverage Requirements, Policy Initiatives, and Access to CareTook effect 1 July 2026
What it requires: Insurers, nonprofit health service plans, and health maintenance organizations must provide coverage for evaluation and management of menopause and menopause-associated symptoms as determined by the treating health care provider. Health occupations boards requiring continuing education must grant at least 2 hours of credit for every 1 hour of continuing education on menopause and menopause-associated symptoms.
Health coverage and plan regulation
What it requires: 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.
Licensing, solvency and market conduct
- HB 252Environment – Lead Paint Abatement Services – Performance Bond and Liability InsuranceTook effect 1 July 2026
What it requires: The Department of the Environment shall adopt regulations requiring any person accredited by the Department to provide lead paint abatement services to be covered by a reasonable performance bond or reasonable liability insurance. Unless accredited by the Department, a person may not act as a contractor or supervisor for lead paint abatement services, provide training for such services, or inspect lead-based paint hazards.
Workers' compensation, surety and specialty lines
- HB 38Financial Institutions - Licensing of Affiliated Insurance Producer-Mortgage Loan Originators - AlterationsTook effect 1 October 2026
What it requires: 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.
Licensing, solvency and market conduct
- HB 1376Maryland Medical Assistance Program, Maryland Children's Health Program, and Health Insurance - Transfers to Special Pediatric Hospitals - RequirementsTakes effect 1 January 2027
What it requires: The Maryland Medical Assistance Program, Maryland Children's Health Program, managed care organizations, insurers, nonprofit health service plans, and health maintenance organizations must provide prior authorization determinations for transfers to special pediatric hospitals within 3 business days upon request by a special pediatric hospital or referring health care provider, and must reimburse for all administrative days at the applicable rate from the medical necessity determination date until retrospective review conclusion.
Health coverage and plan regulation
- HB 1563Emergency Room Services and Post-Acute Care - Coverage and Facility StudiesTook effect 1 June 2026
What it requires: Insurers, nonprofit health service plans, and health maintenance organizations may not deny coverage for emergency room services solely because the insured or enrollee did not experience an emergency medical condition. Carriers must submit quarterly reports on adverse decisions and grievances to the Insurance Commissioner. The Maryland Health Care Commission must conduct studies on post-acute bed capacity and transitions from acute to post-acute care by January 1, 2027.
- HB 347Workers' Compensation - Occupational Disease Presumptions - HypertensionTook effect 1 October 2026
What it requires: Employers and insurers must provide workers' compensation to paid firefighters, paid firefighting instructors, paid rescue squad members, paid advanced life support unit members, and sworn members of the Office of the State Fire Marshal who have been diagnosed with hypertension by an authorized provider, prescribed medication for at least 90 consecutive days, completed at least 2 years of cumulative service, and are currently employed in such positions.
Workers' compensation, surety and specialty lines
- HB 878Workers' Compensation - Heart Disease and Hypertension Presumption and Permanent Partial Disability - Carroll County Correctional DeputiesTook effect 1 October 2026
What it requires: Carroll County correctional deputies who suffer from heart disease or hypertension resulting in partial or total disability or death are presumed to have an occupational disease compensable under workers' compensation law, provided the condition is more severe than any pre-existing condition. Deputies employed on or before September 30, 2026 must provide medical documentation of existing heart disease or hypertension to the Carroll County Sheriff's Office by December 31, 2026.
Workers' compensation, surety and specialty lines
- HB 1094Health Insurance - Graduate-Level Clinical Interns - Required ReimbursementTakes effect 1 January 2027
What it requires: Insurers and nonprofit health service plans must reimburse insureds and covered persons for services provided by graduate-level counseling, social work, and psychology clinical interns when services are provided at outpatient health care facilities under direct supervision of appropriately licensed professionals and billed by the supervising professional.
Health coverage and plan regulation
What it requires: Peer-to-peer car sharing programs must ensure shared vehicle owners and drivers are insured under motor vehicle liability policies with coverage amounts not less than those required under § 17–103 of the Transportation Article during each car sharing period. Programs must assume liability of shared vehicle owners for bodily injury or property damage to third parties during car sharing periods in amounts stated in the program agreement, not less than § 17–103 minimums, except when shared vehicle owners made intentional or fraudulent material misrepresentations.
Auto insurance
- HB 273Health Insurance – Small Business Health Options Program (SHOP) Enrollment – Effective DatesTook effect 1 October 2026
What it requires: Small employer health benefit plans must provide special enrollment periods for eligible employees and dependents who experience qualifying life events such as marriage, birth, adoption, death, divorce, or court orders. The SHOP Exchange must allow eligible employees to select effective dates for coverage based on when plan selection is received, with coverage effective the first day of the following month or second month depending on receipt timing.
Health coverage and plan regulation
What it requires: 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.
Licensing, solvency and market conduct
- HB 280Health Insurance - Mental Health and Substance Use Disorders - Codification of Federal RequirementsTook effect 1 July 2026
What it requires: Carriers must identify and conduct comparative analyses of nonquantitative treatment limitations applied to mental health, substance use disorder, and medical/surgical benefits. Carriers must collect and evaluate relevant data on access impacts, provide comparative analyses within 30 days of member request, and submit reports to the Commissioner. Carriers must demonstrate that nonquantitative treatment limitations are applied no more stringently to mental health and substance use disorder benefits than to medical/surgical benefits.
Health coverage and plan regulation
What it requires: Insurers, nonprofit health service plans, and health maintenance organizations that provide coverage for chemotherapy to treat cancer must provide coverage for scalp cooling systems used to prevent or reduce hair loss in connection with chemotherapy treatment.
Health coverage and plan regulation
- HB 442Professional Liability Insurance Coverage - Nursing Homes, Assisted Living Facilities, Nurse Midwives, and Licensed Certified Midwives - Disclosure (Nyeli Rose Lewis Act of 2026)Took effect 1 October 2026
What it requires: 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.
Licensing, solvency and market conduct
- HB 637Public Health - Recommendations for Immunizations, Screenings, and Preventive Services - Pharmacist Administration and Required Health Insurance Coverage (The Vax Act)Took effect 1 July 2026
What it requires: The Secretary of Health must issue recommendations for immunizations, screenings, and preventive services based on guidance from specified authoritative medical organizations and federal agencies, holding a 30-day notice and comment period before adopting non-immunization preventive service recommendations. Pharmacists may administer specified vaccinations to individuals at least 3 years old if they complete required training and comply with reporting requirements. Carriers must provide coverage without cost-sharing for recommended immunizations and preventive services.
Health coverage and plan regulation
- SB 293Professional Liability Insurance Coverage - Nursing Homes, Assisted Living Facilities, Nurse Midwives, and Licensed Certified Midwives - Disclosure (Nyeli Rose Lewis Act of 2026)Took effect 1 October 2026
What it requires: 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.
Licensing, solvency and market conduct
What it requires: Peer-to-peer car sharing programs must ensure shared vehicle owners and drivers are insured under motor vehicle liability policies with coverage amounts not less than those required under § 17–103 of the Transportation Article during each car sharing period. Programs may charge shared vehicle drivers for tolls, fees, charges, or fines imposed while the vehicle was under the driver's control during the car sharing period.
Auto insurance
- SB 910Health Insurance - Graduate-Level Clinical Interns - Required ReimbursementTakes effect 1 January 2027
What it requires: Insurers and nonprofit health service plans must reimburse insureds and covered persons for services provided by graduate-level counseling, social work, and psychology clinical interns when services are provided at outpatient health care facilities under direct supervision of appropriately licensed professionals and billed by the supervising professional.
Health coverage and plan regulation
- HB 1086Maryland Medical Assistance Program and Health Insurance - Coverage for Anesthesia - Prohibiting Time LimitationsTook effect 1 January 2026
What it requires: Beginning January 1, 2026, the Maryland Medical Assistance Program, insurers, nonprofit health service plans, health maintenance organizations, and managed care organizations that provide coverage for anesthesia delivery for a procedure ordered by a licensed medical professional must provide coverage for the entire duration of the procedure and may not place time limitations on anesthesia delivery.
Health coverage and plan regulation
- HB 1087Health Insurance - Step Therapy or Fail-First Protocols - Drugs to Treat Associated Conditions of Advanced Metastatic CancerTook effect 1 January 2026
What it requires: Insurers, nonprofit health service plans, and health maintenance organizations may not impose step therapy or fail-first protocols on prescription drugs used to treat stage four advanced metastatic cancer or its associated symptoms or treatment side effects, if the drug is FDA-approved and use is consistent with FDA-approved indications, National Comprehensive Cancer Network Compendium indications, or best practices, and supported by peer-reviewed medical literature.
Health coverage and plan regulation
- HB 11Health Insurance - Access to Nonparticipating Providers - Referrals, Additional Assistance, and CoverageTook effect 1 June 2025
What it requires: Carriers must establish procedures allowing members to request referrals to nonparticipating specialists or nonphysician specialists when the carrier lacks appropriate providers or cannot provide reasonable access. For mental health or substance use disorder services, carriers must provide additional assistance identifying and arranging coverage. Carriers cannot require prior authorization for scheduling, reimbursing, or continuing treatment with nonparticipating providers.
Health coverage and plan regulation
What it requires: Insurers, nonprofit health service plans, and health maintenance organizations may not exclude coverage for covered specialty drugs administered or dispensed by in-network medical oncology providers who comply with state regulations, if the drugs are infused, auto-injected, oral targeted immune modulators, or oral medications requiring complex dosing or used with infusion or radiation therapies. Reimbursement rates must be agreed upon and may not exceed designated specialty pharmacy rates.
Health coverage and plan regulation
- HB 1251Hospitals and Medical Professional Liability Insurers - Obstetric Services Policies (Doula and Birth Policy Transparency Act)Took effect 1 October 2025
What it requires: 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.
Health coverage and plan regulation, Licensing, solvency and market conduct
What it requires: Carriers must update provider directory information on the Internet within 2 working days after receiving notification from a participating provider of a change, except dental carriers which have 15 working days. Carriers must verify and update their provider directory at least once every 90 days. Carriers must update printed directories at least annually and include a statement about accuracy and how to obtain current information.
Health coverage and plan regulation
- HB 1301Maryland Medical Assistance Program, Maryland Children’s Health Program, and Health Insurance – Transfers to Special Pediatric Hospitals – Prior AuthorizationsTook effect 1 January 2026
What it requires: Beginning January 1, 2026, the Maryland Medical Assistance Program, the Maryland Children's Health Program, insurers, nonprofit health service plans, and health maintenance organizations may not require prior authorization for transfers to special pediatric hospitals. A special pediatric hospital is a state facility providing nonacute medical, rehabilitation, therapy, and palliative services to individuals under 22 years old or those 2 to 23 years old with co-occurring physical and behavioral health conditions.
Health coverage and plan regulation
- HB 1315Vaccinations by Pharmacists and Health Insurance Coverage for ImmunizationsTook effect 1 January 2026
What it requires: Each individual hospital or major medical insurance policy, group or blanket health insurance policy, and nonprofit health service plan delivered or issued in the State must include coverage for all visits and costs of childhood and adolescent immunizations recommended by the Advisory Committee on Immunization Practices of the Centers for Disease Control and Prevention or the American Academy of Pediatrics. These policies and plans may not impose a deductible on such coverage.
Health coverage and plan regulation
- HB 1351Health Insurance - Provider Panels - Credentialing for Behavioral Health Care ProfessionalsTook effect 1 October 2025
What it requires: Carriers must accept providers on their provider panels if the providers deliver community-based health services under COMAR 10.63.02 and hold specified licenses as social workers, counselors, therapists, or psychology associates. Carriers must notify providers of application status within 30 days and make acceptance or rejection decisions within 60 days for specified behavioral health professionals or 120 days for others.
Health coverage and plan regulation
What it requires: Insurers, nonprofit health service plans, and health maintenance organizations must provide coverage for medically appropriate and necessary hearing aids for adults if the hearing aids are ordered, fitted, and dispensed by a licensed hearing aid dispenser or prescribed, fitted, and dispensed by a licensed audiologist. Coverage may be limited to $1,400 per hearing aid for each hearing-impaired ear every 36 months.
Health coverage and plan regulation
- HB 297Maryland Health Benefit Exchange - State-Based Young Adult Health Insurance Subsidies Pilot Program - Sunset RepealTook effect 1 July 2025
What it requires: The Maryland Health Benefit Exchange may establish and implement the State-Based Young Adult Health Insurance Subsidies Program to provide subsidies to young adults for health benefit plans in the individual market, but may not implement the program for calendar years when funds from the assessment under § 6–102.1 are not available. The Exchange must track monthly expenditures and impacts on rates and post information on its website.
Health coverage and plan regulation
- HB 459Counties - Cancer Screening for Professional Firefighters - Required Coverage (James "Jimmy" Malone Act)Took effect 1 January 2026
What it requires: Insurers, nonprofit health service plans, and health maintenance organizations must provide coverage to professional firefighters for preventive cancer screenings according to the latest International Association of Fire Fighters guidelines and may not impose copayments, coinsurance, or deductibles on such coverage, except for high-deductible health plans. Counties and municipalities offering self-insured employee health benefit plans must comply with these requirements.
Health coverage and plan regulation
- HB 666Maryland Medical Assistance Program and Health Insurance - Required Coverage for Calcium Score TestingTook effect 1 January 2026
What it requires: Insurers, nonprofit health service plans, health maintenance organizations, and managed care organizations must provide coverage for calcium score testing for individuals with at least three of the following risk factors: diabetes, high blood pressure, high cholesterol, or family history of premature coronary artery disease, in accordance with American College of Cardiology guidelines. The Maryland Medical Assistance Program must provide such coverage beginning January 1, 2026.
Health coverage and plan regulation
What it does: Establishes the Maryland Health Insurance Coverage Protection Commission to monitor and assess impacts of federal changes to the ACA, MHPAEA, Medicaid, Medicare, and related programs, and provide recommendations to protect residents' access to affordable health coverage. The Commission expires June 30, 2029.
Health coverage and plan regulation
What it requires: Holders of abandoned property must liquidate virtual currency within 30 days before filing required reports and remit proceeds to the Administrator. Holders must conduct annual death master file examinations on all insureds and annuitants. Holders must attempt to confirm apparent owners' interest in property through specified mail and email procedures.
Health coverage and plan regulation
- HB 813Maryland Insurance Administration and Maryland Department of Health - Workgroup to Study Pharmacy Benefits ManagersTook effect 1 June 2025
What it requires: The Maryland Medical Assistance Program must establish minimum reimbursement levels for generic drugs equal to the national average drug acquisition cost plus the fee-for-service professional dispensing fee from the most recent in-state cost-of-dispensing survey. Pharmacy benefits managers contracting with pharmacies on behalf of managed care organizations must reimburse pharmacies at least that same amount.
Health coverage and plan regulation
- HB 820Health Insurance - Utilization Review - Use of Artificial IntelligenceTook effect 1 October 2025
What it requires: Carriers, pharmacy benefits managers, and private review agents using artificial intelligence, algorithms, or software tools for utilization review must ensure these tools base determinations on individual enrollee medical history and clinical circumstances rather than group datasets alone, do not replace healthcare provider roles, do not discriminate, are fairly applied, undergo quarterly performance reviews, and cannot deny, delay, or modify health care services. Carriers must report quarterly whether artificial intelligence was used in adverse decisions.
Health coverage and plan regulation, AI and data in underwriting and claims
- HB 848Health Insurance - Adverse Decisions - Notices, Reporting, and ExaminationsTook effect 1 October 2025
What it requires: 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.
Health coverage and plan regulation, Licensing, solvency and market conduct
What it requires: The Department, in collaboration with the Maryland Health Benefit Exchange, shall promote access to health insurance for child care professionals by partnering with specified entities, helping professionals obtain coverage through the Exchange or Medicaid, assisting those losing Medicaid coverage, ensuring plan options meet professional needs, providing outreach materials, and conducting a survey on health care access in the child care community. A child care provider receiving more than two-thirds of operating expenses from state, local, or federal government funds may participate in the State Employee and Retiree Health and Welfare Benefits Program as a satellite organization.
Health coverage and plan regulation
- HB 936Health Insurance - Cancellation and Nonrenewal of Coverage - Required NoticeTook effect 1 July 2025
What it requires: 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.
Health coverage and plan regulation, Licensing, solvency and market conduct
- HB 970Health Insurance - Insulin - Prohibition on Step Therapy or Fail-First ProtocolsTook effect 1 January 2026
What it requires: Insurers, nonprofit health service plans, and health maintenance organizations may not impose step therapy or fail-first protocols on insured or enrollee prescriptions for insulin or insulin analogs used to treat type 1, type 2, or gestational diabetes, or other prescription drugs performing similar insulin functions.
Health coverage and plan regulation
- HB 974Health Insurance - Preventive Services - High Deductible Health Plans and Enforcement AuthorityTook effect 1 June 2025
What it requires: Carriers must provide coverage without cost-sharing requirements for evidence-based items or services rated A or B by the United States Preventive Services Task Force, immunizations recommended by the Advisory Committee on Immunization Practices, and preventive care guidelines supported by the Health Resources and Services Administration. Out-of-network cost-sharing is permitted.
Health coverage and plan regulation
- SB 374Counties - Cancer Screening for Professional Firefighters - Required Coverage (James "Jimmy" Malone Act)Took effect 1 January 2026
What it requires: Insurers, nonprofit health service plans, and health maintenance organizations must provide professional firefighters coverage for preventive cancer screenings per International Association of Fire Fighters guidelines without copayment, coinsurance, or deductible, except for high-deductible health plans. Counties must provide firefighters such coverage or provide annual no-cost examinations or apply for grants.
Health coverage and plan regulation
- SB 474Health Insurance - Adverse Decisions - Notices, Reporting, and ExaminationsTook effect 1 June 2025
What it requires: 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.
Health coverage and plan regulation, Licensing, solvency and market conduct
- SB 5Maryland Health Benefit Exchange – State–Based Young Adult Health Insurance Subsidies Pilot Program – Sunset RepealTook effect 1 July 2025
What it requires: The Maryland Health Benefit Exchange may establish and implement a State-Based Young Adult Health Insurance Subsidies Program to provide subsidies to young adults for health benefit plans in the individual market, but may not implement the Program for calendar years in which funds from the assessment under Section 6-102.1 are not available. The Exchange must track monthly expenditures and impacts on rates and post information on its website.
Health coverage and plan regulation
What it requires: Insurers, nonprofit health service plans, and health maintenance organizations must provide coverage for hearing aids prescribed, fitted, and dispensed by a licensed audiologist or licensed hearing aid dispenser for both minor children and adults. Entities may limit benefits to $1,400 per hearing aid per ear every 36 months.
Health coverage and plan regulation
- SB 646Health Insurance - Insulin - Prohibition on Step Therapy or Fail-First ProtocolsTook effect 1 January 2026
What it requires: Insurers, nonprofit health service plans, and health maintenance organizations may not impose step therapy or fail-first protocols on insured or enrollee prescriptions for insulin, insulin analogs, or similar drugs used to treat type 1, type 2, or gestational diabetes.
Health coverage and plan regulation
- SB 773Health Benefit Plans - Calculation of Cost-Sharing Contribution - RequirementsTook effect 1 January 2026
What it requires: Insurers, nonprofit health service plans, health maintenance organizations, administrators, carriers, and pharmacy benefits managers must include discounts, financial assistance payments, product vouchers, and other out-of-pocket expenses paid by or on behalf of enrollees when calculating cost-sharing contributions. These entities cannot set coverage terms based on availability of financial assistance. Third parties providing assistance must notify enrollees within 7 days of acceptance.
Health coverage and plan regulation
- SB 902Health Insurance - Access to Nonparticipating Providers - Referrals, Additional Assistance, and CoverageTook effect 1 June 2025
What it requires: Carriers must establish procedures allowing members to request referrals to nonparticipating specialists or nonphysician specialists when the carrier lacks adequate in-network providers or cannot provide reasonable access. For mental health and substance use disorder services, carriers must provide additional assistance identifying coverage if referral procedures fail. Carriers cannot require prior authorization for scheduling, reimbursing, or continuing treatment with approved nonparticipating providers.
Health coverage and plan regulation
- SB 921Health Insurance - Step Therapy or Fail-First Protocols - Drugs to Treat Associated Conditions of Advanced Metastatic CancerTook effect 1 January 2026
What it requires: Insurers, nonprofit health service plans, and health maintenance organizations may not impose step therapy or fail-first protocols on prescription drugs approved by the FDA when used to treat stage four advanced metastatic cancer or its associated symptoms or side effects, if the drug use is prescribed by a treating physician, consistent with best practices or FDA-approved indications, supported by peer-reviewed medical literature, and covered under the policy.
Health coverage and plan regulation
- SB 956Health Insurance - Medicare Supplement Policies - Insurance Producer CommissionTook effect 1 October 2025
What it requires: 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.
Life insurance and annuities, Licensing, solvency and market conduct
What it requires: Insurers, nonprofit health service plans, and health maintenance organizations may not exclude coverage for covered specialty drugs administered or dispensed by in-network medical oncology providers who comply with state regulations, if the drugs are infused, auto-injected, oral targeted immune modulators, or oral medications requiring complex dosing or used with infusion or radiation therapies. Reimbursement rates must be agreed upon or not exceed designated specialty pharmacy rates.
Health coverage and plan regulation
- HB 1045Health Insurance, Family Planning Services, and Confidentiality of Medical Records - Consumer Protections - UpdatesTook effect 1 June 2025
What it requires: The Department shall ensure continuity of family planning services through family planning providers, including those that lost federal Title X funding due to scope of services. The Department may not accept Title X federal funds if the program excludes family planning providers or does not require them to provide a broad range of medically approved family planning methods. The Commissioner shall adopt regulations consistent with specified federal provisions as of December 31, 2024.
Health coverage and plan regulation
- HB 1082Health Insurance - Individual Market Stabilization - Establishment of the State-Based Health Insurance Subsidies ProgramTook effect 1 July 2025
What it requires: The Maryland Health Benefit Exchange, in consultation with the Insurance Commissioner and as approved by the Board, must establish and implement a State-Based Health Insurance Subsidies Program to provide subsidies to individuals purchasing health benefit plans in the individual market, designed to maintain affordability and target individuals experiencing increased applicable percentages for premiums in calendar year 2026 compared to 2025.
Health coverage and plan regulation
What it requires: The Maryland Medical Assistance Program and insurers, nonprofit health service plans, and health maintenance organizations must reimburse health care providers for telehealth services on the same basis and rate as in-person services. Audio-only telephone conversations are included in telehealth. Health care practitioners may prescribe controlled dangerous substances through telehealth subject to applicable federal and state law.
What it requires: Insurers, nonprofit health service plans, and health maintenance organizations must reimburse health care providers for telehealth services on the same basis and rate as in-person services. The Maryland Medical Assistance Program must do the same. Audio-only telephone conversations resulting in billable covered services are included in telehealth.
What it does: 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.
Licensing, solvency and market conduct
- HB 1007Disability and Life Insurance - Medical Information (Genetic Testing Protection Act)Took effect 1 October 2025
What it requires: Insurance carriers offering life, long-term care, or disability insurance in Maryland may not unfairly discriminate based on medical information lacking actuarially sound relationship to insurance risk. Carriers may not access sensitive medical information or genetic data without written consent, mandate genetic testing or genome sequencing, or use genetic test results to deny, limit, cancel, or affect coverage.
Life insurance and annuities, AI and data in underwriting and claims
- HB 1069Life and Health Insurance Policies and Annuity and Health Maintenance Organization Contracts - Discretionary Clauses - ProhibitionTook effect 1 October 2025
What it requires: Carriers, defined as insurers, nonprofit health service plans, and health maintenance organizations, may not sell, deliver, or issue health insurance policies, life insurance policies, annuity contracts, or disability insurance policies in Maryland if the policy contains a clause reserving sole discretion to the carrier to interpret policy terms or providing standards of interpretation inconsistent with Maryland law.
Health coverage and plan regulation, Life insurance and annuities
- HB 1098Insurance - Automobile Insurance - Maryland Automobile Insurance Fund and Affordability StudyTook effect 1 July 2025
What it requires: The Maryland Automobile Insurance Fund must calculate and report its risk-based capital level according to insurance law and maintain total adjusted capital at or above its company action level RBC beginning December 31, 2026. The Fund must prepare and submit an RBC plan if required. Prior approval rate making provisions apply to the Fund between July 1, 2025 and December 31, 2025, and thereafter if the Fund's total adjusted capital falls below required amounts.
Auto insurance
- HB 1148Residential Condominium Unit Insurance - Lapses in Coverage - Prohibition on DenialTook effect 1 October 2025
What it requires: A property and casualty insurer may not deny coverage based on a prior lapse in coverage of the applicant if the lapse was due to the choice of the applicant and was not due to losses incurred by or the claims history of the applicant.
Property, catastrophe and climate risk
What it does: Adds a Resilience Authority as defined in Local Government Article § 22–101 to the definition of 'public entity' for purposes of insurance pooling under Insurance Article § 19–602, effective October 1, 2025.
Workers' compensation, surety and specialty lines
What it requires: 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.
Licensing, solvency and market conduct
- SB 695Labor and Employment - Uninsured Employers' Fund Board - Membership and ReservesTook effect 1 October 2025
What it requires: The Uninsured Employers' Fund Board must establish reserves to meet potential losses of the Fund. The Board's membership changes from three to five members: two with substantial experience as officers or employees of a property and casualty insurance company, one with substantial experience in accounting or finance, one who is a workers' compensation insurance policyholder in the state, and one representing the general public.
Workers' compensation, surety and specialty lines
- SB 830Workers' Compensation - Claims Application Form - Authorization for Release of InformationTook effect 1 October 2025
What it requires: Claimants filing workers' compensation claims must include authorization for release of medical and financial information to the claimant's attorney, the Uninsured Employers' Fund, the Subsequent Injury Fund, the employer, and the insurer. The authorization includes additional claims filed by the claimant and information in the Commission's custody, effective for 1 year.
Workers' compensation, surety and specialty lines
What it requires: A licensed vehicle dealer, an obligor, or an agent selling mechanical repair contracts may not make deceptive or misleading statements regarding the contract and shall ensure that testimonials of their endorsers are truthful, accurate, and not deceptive. Mechanical repair contracts must clearly and conspicuously set forth the warranty start date and expiration date or odometer reading.
What it does: Expands Maryland state benefits, licensing, and employment protections from armed forces members to all uniformed services, including reserve components and National Guard. Aligns state definitions of veteran, active duty, and service member with federal law.
Insurance in Maryland, by topic
Health coverage and plan regulation
121 bills, 56 enacted. Enacted in 47 states.
Licensing, solvency and market conduct
31 bills, 18 enacted. Enacted in 47 states.
Workers' compensation, surety and specialty lines
23 bills, 8 enacted. Enacted in 45 states.
Auto insurance
20 bills, 8 enacted. Enacted in 29 states.
Property, catastrophe and climate risk
14 bills, 4 enacted. Enacted in 31 states.
AI and data in underwriting and claims
9 bills, 2 enacted. Enacted in 12 states.
Life insurance and annuities
5 bills, 3 enacted. Enacted in 24 states.
Insurance bills in Maryland
The bills not yet law, furthest along first, with what each would do.
91Enacted
4Cleared both chambers
25Past committee
88Introduced or inactive
208 bills in scope
Cleared both chambers
4
What it would do: Increases the additional assessment the Uninsured Employers' Fund Board may direct on awards and settlements from 1% to 1.5%, raises the fund balance threshold for suspending assessments from $5,000,000 to $10,000,000, and requires the Workers' Compensation Commission to designate a special monitor to assess the fund's financial condition through June 30, 2026.
What it would do: Increases the additional assessment the Uninsured Employers' Fund Board may direct the Workers' Compensation Commission to assess on awards and settlements from 1% to up to 2% when the Board determines Fund reserves are inadequate to meet anticipated losses.
What it would do: Authorizes the Workers' Compensation Commission to offset permanent partial disability awards for benefits paid by the Uninsured Employers' Fund, makes the Fund a party to claims against uninsured employers, and allows covered employees to apply directly to the Fund for payment after employer default.
What it would do: Requires healthcare ecosystem entities including hospitals, insurers, and health information exchanges to adopt zero-trust cybersecurity standards, undergo third-party audits every two years starting January 1, 2026, and report cybersecurity incidents to the state. Establishes a Healthcare Ecosystem Stakeholder Cybersecurity Workgroup to develop strategies preventing disruptions and ensuring recovery.
Past committee
21 of 25 shown
What it would do: Requires insurers, nonprofit health service plans, and health maintenance organizations to reimburse health care providers in a manner meeting annual primary care investment targets established by the State on or after February 1, 2026, and to submit progress descriptions with premium rate filings to the Maryland Insurance Commissioner.
What it would do: Requires insurers, nonprofit health service plans, and health maintenance organizations to cover opportunistic salpingectomy for ovarian cancer prevention without copayment, coinsurance, or deductible, except for high-deductible health plans. Applies to policies issued or renewed on or after January 1, 2027.
What it would do: Requires insurers, nonprofit health service plans, and health maintenance organizations to cover salpingectomy for ovarian cancer prevention without imposing copayments, coinsurance, or deductibles, except that high-deductible health plans may subject the coverage to their deductible requirement.
What it would do: Requires licensing by the Motor Vehicle Administration to perform advanced driver assistance system recalibrations and establishes requirements for automotive repair facilities performing such work. Prohibits insurance companies from denying coverage for manufacturer-recommended recalibrations and requires insurance estimates to include recalibration costs.
What it would do: Establishes that paid firefighters, fire fighting instructors, rescue squad members, advanced life support unit members, and sworn members of the Office of the State Fire Marshal with hypertension diagnosed by an authorized provider, present for at least 90 consecutive days, with at least 2 years of cumulative service, and currently employed are presumed to have a compensable occupational disease and presumed disabled.
What it would do: Requires insurers to disclose use of vehicle operation monitoring programs to applicants and policyholders, establish data correction/appeal processes, and prohibits using such data to cancel, refuse renewal, or refuse underwriting. Prohibits premium increases within 6 months of policy inception.
What it would do: Requires the Maryland Medical Assistance Program and certain health insurers, nonprofit health service plans, and health maintenance organizations to cover single-gene and multigene pharmacogenomic testing for patients with depression or anxiety when a treating provider considers medication changes with known gene-drug interactions, beginning July 1, 2027, and limits prior authorization requirements for such testing.
What it would do: Requires health insurance carriers to report annually to the Maryland Insurance Commissioner detailed claims data on mental health, substance use, and medical services by facility type, provider type, and geographic area, with the Commissioner making this data publicly available through dashboards and websites.
What it would do: Authorizes licensed certified social workers-clinical to evaluate permanent impairments involving behavioral or mental disorders in workers' compensation claims, provided they meet specified requirements including 2 years of experience and registration as a rehabilitation counselor or vocational evaluator.
What it would do: Requires the Maryland Health Insurance Coverage Protection Commission to study and make recommendations for individual and group health insurance market stability, including analyzing public option savings, regulatory exemptions for managed care organizations, market mergers, interstate purchasing pools, prescription drug costs, and reinsurance mechanisms.
What it would do: Requires health insurance carriers to provide a 60-day special enrollment period beginning on the first day of employment for individuals who become employed by small employers that do not offer employer-sponsored health benefit plans, with coverage effective the first day of the month following plan selection.
What it would do: Expands naturopathic doctors' prescribing authority to include prescription drugs and controlled dangerous substances listed in a formulary, adds intravenous and subcutaneous administration methods, removes CPR certification renewal requirement, and requires naturopathic doctors to notify patients and the Board about professional liability insurance status.
What it would do: Requires insurers, nonprofit health service plans, and health maintenance organizations to include discounts, financial assistance, and vouchers in cost-sharing calculations for certain prescription drugs, and prohibits them from adjusting coverage based on available financial assistance.
What it would do: Prohibits insurance carriers offering life, long-term care, or disability insurance from denying, limiting, or otherwise affecting coverage based on whether an applicant or policyholder has undergone genetic testing or based on genetic test results, genetic information, or requests for genetic services.
What it would do: Requires the State Department of Education and Maryland Health Benefit Exchange to promote health insurance access for child care professionals through partnerships and outreach. Allows child care providers receiving over two-thirds funding from government to participate in the State Employee and Retiree Health and Welfare Benefits Program as satellite organizations.
What it would do: Requires insurers issuing private passenger motor vehicle insurance in Maryland to disclose use of telematics programs measuring vehicle operation and establish appeals processes for policyholders to challenge erroneous data. Prohibits using such data to establish premiums, cancel policies, or refuse coverage, and requires premium increases only in 6-month increments.
What it would do: Prohibits in-network health care providers from charging fees to obtain prior authorizations from carriers or managed care organizations, and prohibits insurers, nonprofit health service plans, and health maintenance organizations from using artificial intelligence to automatically deny prior authorizations, effective January 1, 2026.
What it would do: Requires unit owners in residential condominiums to maintain insurance policies including subrogation waivers, deductible coverage, liability coverage of at least $500,000, and loss assessment coverage of at least $25,000. Allows councils to acquire insurance on behalf of non-compliant owners and charge premiums as assessments.
What it would do: Excludes nonprofit group model health maintenance organizations from the definition of purchaser for pharmacy benefits manager regulations, removes restrictions limiting certain PBM rules to carriers only, and requires the Maryland Insurance Administration to convene a workgroup by January 1, 2026 to review PBM, specialty pharmacy, and antisteering laws.
What it would do: Requires the State Workers' Compensation Commission to regulate fees and charges for prescription drug and pharmaceutical services reimbursements, limiting reimbursements to an index based on acquisition cost per unit as of dispensing date, plus reasonable dispensing fees.
What it would do: Repeals protections for shared vehicle owners' personal insurance policies and removes secondary coverage provisions for replacement vehicles. Allows peer-to-peer car sharing programs to charge drivers for tolls, fees, and fines, and excludes such programs from traffic citation liability.
Showing the 25 furthest along of 117. Subscribers see all of them, filtered and searchable. Bill titles link to the Maryland Legislature's own page.
What counts as insurance legislation
In scope: Health coverage and plan regulation; auto; property and catastrophe; life and annuities; aI and data in underwriting; workers' compensation and specialty lines; and licensing, solvency and market conduct.
Questions
Does Maryland have an insurance law?
Yes. Maryland enacted 91 insurance laws in the 2025 and 2026 sessions, among them SB 496, HB 1091 and HB 1093. Each is listed on this page with what it requires.
When do Maryland's insurance laws take effect?
SB 496 on 1 October 2026, HB 1091 on 1 January 2027, HB 1093 on 1 October 2026, HB 1118 on 1 October 2026 and HB 1216 on 1 October 2026. The others have no single date in their text.
Which insurance bills are moving in Maryland?
29 bills not yet law have passed a committee or a chamber, the furthest along HB 193 (vetoed), SB 219 (vetoed) and SB 227 (vetoed).
What does Maryland legislate on most in insurance?
Health coverage and plan regulation (121 bills), Licensing, solvency and market conduct (31 bills) and Workers' compensation, surety and specialty lines (23 bills).
Are these summaries reviewed by a lawyer?
No. Which bills count as Insurance bills, and the line on what each law requires or each bill would do, are drafted by software from the bill's own text and not reviewed by an attorney. Every bill links to the legislature's own record: read the text before relying on it. The list covers bills from the 2025 and 2026 sessions.
Other practice areas in Maryland
- AI in Maryland58
- Alcohol in Maryland142
- Cannabis in Maryland55
- Children's Online Safety in Maryland11
- Cybersecurity in Maryland28
- Data center and energy in Maryland21
- Data Privacy in Maryland40
- Employment in Maryland155
- Healthcare in Maryland335
- Intellectual Property in Maryland12
- Packaging and PFAS in Maryland21
- Payments and fintech in Maryland16
- Rental housing in Maryland59
- Tobacco and nicotine in Maryland14
- Transportation in Maryland17
- All jurisdictions
Insurance legislation in other jurisdictions
52 more currently hold bills in this tracker
- New Jersey539
- New York481
- Texas314
- Massachusetts246
- Connecticut230
- Louisiana214
- Missouri197
- Hawaii190
- Rhode Island188
- Mississippi187
- Florida185
- West Virginia175
- Illinois174
- Virginia158
- Montana155
- Oklahoma152
- Pennsylvania152
- California146
- Michigan137
- Iowa127
- Georgia112
- Kentucky109
- Tennessee99
- Indiana93
- Arizona91
- South Carolina86
- North Carolina80
- Minnesota78
- Oregon74
- Ohio70
- Utah70
- Arkansas68
- Washington67
- Kansas66
- Maine66
- New Hampshire63
- Nebraska60
- New Mexico59
- Colorado56
- Nevada54
- Congress48
- Wisconsin48
- Idaho47
- Alaska38
- Alabama32
- Delaware30
- North Dakota29
- Vermont29
- South Dakota21
- District of Columbia8
- Puerto Rico6
- Wyoming4
Know when Maryland's insurance law changes
An alert when a bill moves, and one report a month on what changed in every state and Congress.