Mississippi insurance laws
What Mississippi has enacted on insurance, what each law requires, and what the bills still moving would do. Mississippi is one of 51 states that enacted an insurance law in the 2025 and 2026 sessions.
- Bills in scope
- 187bills in scope
- Past committee
- 46past committee
- Most recent action
- 9 April 2026most recent action
Insurance laws enacted in Mississippi
17 insurance laws enacted in the Mississippi Legislature in the 2025 and 2026 sessions, newest first. Each links to the legislature's own page.
- SB 2409Mississippi Department of Insurance; establish comprehensive mitigation program for retrofitting insurable homes.Took effect 1 July 2026
What it requires: The Mississippi Department of Insurance must establish and administer the Strengthen Mississippi Homes Program to provide financial grants not exceeding $15,000.00 per recipient to single-family, site-built, owner-occupied residential property owners or commercial property owners for retrofitting to resist hurricane, tornado, or catastrophic windstorm damage. Insurance companies must notify clients of program availability within thirty days after filing discount schedules.
Property, catastrophe and climate risk
- HB 565Health benefit plans and Medicaid; require to offer coverage for biomarker testing.Took effect 1 July 2026
What it requires: Each health benefit plan, including Medicaid and the State and School Employees Health Insurance Plan, must offer coverage for biomarker testing when supported by medical and scientific evidence, including FDA approvals, CMS determinations, or nationally recognized clinical practice guidelines. Plans must limit coverage disruptions, update policies within sixty days, provide written denial justifications, and establish accessible exception processes.
Health coverage and plan regulation
- HB 856Advanced, metastatic cancer; delete repealer on prohibition against health plans requiring step therapy before covering certain drugs to treat.Took effect 30 June 2026
What it requires: A health benefit plan that provides coverage for advanced, metastatic cancer and associated conditions may not require step therapy or fail-first protocols before covering a prescription drug approved by the FDA for such treatment. A prescribing practitioner must have access to an expeditious process to request an override of step therapy restrictions from the insurer.
Health coverage and plan regulation
What it requires: Association self-funded health benefit plans must demonstrate to the Mississippi Commissioner of Insurance that they are subject to another state insurance department or federal government jurisdiction and meet eight eligibility criteria including three-year establishment, nonprofit status, sound actuarial principles, and excess insurance maintenance. Plans must certify annually by February 15th that they continue meeting requirements. Purchasers must receive written notice that the plan is not regulated by Mississippi Insurance Department and not covered by the Guaranty Association.
Health coverage and plan regulation
- HB 1332Insurance producer license; require testing service administering examinations to adhere to National Association of Insurance Commissioners Standards.Took effect 1 July 2026
What it requires: 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.
Licensing, solvency and market conduct
- HB 1713State Sponsored Life Insurance Program; provide for National Guard members.Took effect 1 July 2026
What it requires: The Adjutant General of Mississippi shall serve as official sponsor and facilitate the State Sponsored Life Insurance Program for Mississippi National Guard members in coordination with the National Guard Association of Mississippi. Program representatives may conduct briefings during training periods. Participation is voluntary.
Life insurance and annuities
- SB 2699State Health Plan; extend repealer on authority of board to collect premium payments from participants in.Took effect 1 July 2026
What it does: Extends the repeal date of Section 25-15-15, Mississippi Code of 1972, from July 1, 2026 to July 1, 2030, thereby continuing the State and School Employees Health Insurance Management Board's authority to collect premium payments from plan participants.
Health coverage and plan regulation
What it does: Appropriates $13,553,624.00 from the State General Fund and $28,630,000.00 from special funds to the Mississippi Department of Insurance for fiscal year 2026, including allocations for personnel services, fire safety programs, firefighter awards, municipal and volunteer fire department payments, and rural fire truck assistance.
What it requires: Surplus lines insurance producers must collect and remit a three percent nonadmitted policy fee on all premiums for insurance written by nonadmitted insurers within twenty days of each quarter's end. Insureds who directly procure insurance with nonadmitted insurers must pay the fee according to premium tax procedures. Beginning July 1, 2025, specified portions of collected nonadmitted policy fees must be diverted to the Mississippi First Responders Health and Safety Trust Fund, remitted to the association, and deposited into the Rural Fire Truck Fund, Municipal Fire Protection Fund, and County Volunteer Fire Department Fund.
What it requires: 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.
Licensing, solvency and market conduct
- HB 1611Property and casualty insurance coverage; require 45-day notice before change in coverage of.Took effect 1 July 2025
What it requires: 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.
Property, catastrophe and climate risk, Licensing, solvency and market conduct
What it requires: Health insurance issuers and pharmacy benefit managers must authorize, approve, and pay participating providers for covered physician-administered drugs and related services. They must not require covered persons to pay penalties or additional fees beyond designated cost-sharing amounts. Provider agreements must include provisions making drugs payable when medical necessity criteria are met, regardless of pharmacy network status.
Health coverage and plan regulation
What it does: Extends the repeal date of the Comprehensive Hurricane Damage Mitigation Program within the Department of Insurance from July 1, 2025 to July 1, 2028, allowing the program to continue operating during this extended period.
Property, catastrophe and climate risk
- SB 2415Health insurance and employee benefit plans; extend repealer on mandated coverage for telemedicine services.Took effect 30 June 2025
What it requires: Health insurance plans and employee benefit plans must provide coverage for telemedicine services to the same extent as in-person consultation. Plans must reimburse out-of-network telemedicine providers under the same policies as other out-of-network providers. Deductibles, copayments, and coinsurance for telemedicine cannot exceed those for in-person consultation.
Health coverage and plan regulation
- SB 2894Cybersecurity insurance; include in Mississippi Insurance Guaranty Association statutes.Took effect 1 July 2025
What it requires: The Mississippi Insurance Guaranty Association must pay covered claims arising from cybersecurity insurance policies issued by insolvent member insurers, up to Three Hundred Thousand Dollars per claimant for all first- and third-party cybersecurity claims from a single insured event. Member insurers must contribute assessments to fund the association's obligations.
Workers' compensation, surety and specialty lines
- SB 2401Study Committee on the certification of Health Benefit Plans and Insurers; create.Took effect 1 July 2025
What it does: 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.
Health coverage and plan regulation, Licensing, solvency and market conduct
- SB 2412Insurance Holding Company Act; include NAIC Group Capital Calculation test requirements.Took effect 1 July 2025
What it requires: 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.
Licensing, solvency and market conduct
Insurance in Mississippi, by topic
Health coverage and plan regulation
94 bills, 7 enacted. Enacted in 47 states.
Licensing, solvency and market conduct
33 bills, 5 enacted. Enacted in 47 states.
Auto insurance
26 bills. Enacted in 29 states.
Workers' compensation, surety and specialty lines
18 bills, 1 enacted. Enacted in 45 states.
Property, catastrophe and climate risk
15 bills, 3 enacted. Enacted in 31 states.
Life insurance and annuities
6 bills, 1 enacted. Enacted in 24 states.
AI and data in underwriting and claims
1 bill. Enacted in 12 states.
Insurance bills in Mississippi
The bills not yet law, furthest along first, with what each would do.
17Enacted
29Past committee
141Introduced or inactive
187 bills in scope
Past committee
25 of 29 shown
What it would do: Requires health insurers and third-party administrators to reimburse pharmacists for services and procedures within their scope of practice at rates not less than other nonphysician health care providers, if the service would otherwise be covered, effective January 1, 2027.
What it would do: Transfers pharmacy benefit manager regulation from the State Board of Pharmacy to the Commissioner of Insurance effective July 1, 2026, and revises reimbursement requirements, claim payment timelines, appeal procedures, and prohibits spread pricing and steering by pharmacy benefit managers and PSAOs.
What it would do: Creates the Association Self-Funded Health Benefit Plan Coverage Act, allowing professional and trade associations in Mississippi to purchase hospital, surgical, and medical expense benefits from self-funded plans regulated by other states or the federal government, exempt from Mississippi insurance laws upon meeting specified requirements.
What it would do: Creates the Voluntary Portable Benefit Plan Act allowing hiring parties to voluntarily contribute to independent contractors' portable benefit accounts, with contributions deductible by hiring parties and excludable from contractors' taxable income.
What it would do: Requires the Mississippi State Rating Bureau to use at least 7.5 road miles as response distance when grading fire departments, consider all water sources including ponds and lakes, and evaluate fire trucks by mileage and condition rather than age. Requires the Commissioner of Insurance to adopt rules prohibiting insurers from adjusting rates above base rates set by the Rating Bureau and governing fire truck sales among municipalities and districts.
What it would do: Extends the repeal date of Section 25-15-15, Mississippi Code of 1972, from July 1, 2026 to July 1, 2029, which governs the State and School Employees Insurance Fund and premium payment collection procedures.
What it would do: Requires group health plans and health insurance issuers to cover clinical genetic testing for inherited cancer mutations recommended by healthcare professionals and evidence-based cancer imaging per NCCN guidelines, with no cost-sharing requirements, except as limited by federal health savings account rules.
What it would do: Requires the Commissioner of Insurance to establish and implement a state health insurance exchange. Transfers any funds held by the Comprehensive Health Insurance Risk Pool Association on June 30, 2026, to the Mississippi Health Insurance State Exchange Trust Fund.
What it would do: Requires the Commissioner of Insurance to maintain a database of insurance producers aged 65 or older with 25+ continuous years of experience who submit a one-time affidavit exempting them from continuing education requirements, and prohibits requiring subsequent affidavits upon renewal if continuous experience is uninterrupted.
What it would do: Prohibits health benefit plans covering advanced metastatic cancer from requiring enrollees to fail or prove failure of a different drug before covering an FDA-approved prescription drug consistent with best practices and supported by peer-reviewed evidence. Deletes the repealer of this prohibition.
What it would do: Requires any testing service administering insurance producer license examinations to develop, administer, and score such examinations in accordance with standards and best practices set forth by the National Association of Insurance Commissioners.
What it would do: Requires health benefit plans to cover biomarker testing for diagnosis, treatment, management, or monitoring of disease when supported by medical and scientific evidence, including FDA approvals, CMS determinations, or clinical practice guidelines, effective July 1, 2026.
What it would do: Creates the Mississippi Patient Protection Act of 2026, prohibiting health insurers from discriminating against willing providers in their geographic coverage area and from imposing monetary advantages or penalties affecting beneficiary choice among participating providers.
What it would do: Requires insurers to exchange claim information with the Mississippi Department of Human Services to identify claimants owing child support arrears and withhold insurance payments of $500 or more for negligence, personal injury, wrongful death, and life insurance claims. Establishes penalties up to $5,000 for non-compliance, with full compliance required by July 1, 2027.
What it would do: Creates the Insurance Department Fraud Detection Trust Fund and requires property and casualty insurance companies and life, health and accident insurance companies to contribute annually up to $1,000,000.00 total per fiscal year to fund fraud detection, cybersecurity review, and arson investigations.
What it would do: Authorizes small loan licensees to charge a fee for nonfiling or nonrecording insurance in lieu of actual recording costs, provided the fee does not exceed the Secretary of State's UCC1 filing fee.
What it would do: Requires health benefit plans to cover ambulance services for treating, assessing, or transporting enrollees to lower-acuity facilities following 911 calls, and establishes minimum reimbursement rates for out-of-network ambulance providers based on contracted rates or 250% of Medicare rates.
What it would do: Requires group health plans and health insurance issuers to cover clinical genetic testing for inherited cancer mutations recommended by healthcare professionals and evidence-based cancer imaging per NCCN guidelines, without imposing cost-sharing requirements, effective July 1, 2025.
What it would do: Creates the Mississippi Windstorm Mitigation Association to provide grants up to $15,000 per property for retrofitting residential and commercial properties against severe weather, funded by annual assessments on member insurers not exceeding $10,000,000 per year.
What it would do: Extends the repeal date of the requirement that all health insurance and employee benefit plans in Mississippi provide coverage for telemedicine services to the same extent as in-person healthcare services from July 1, 2025 to July 1, 2028.
What it would do: Prohibits insurers, managed-care companies, and other payors from discriminating against accredited durable medical equipment suppliers. Requires reimbursement at no less than state Medicaid rates on a continuous monthly basis for the duration of medical need throughout a patient's valid prescription period.
What it would do: Requires the Division of Medicaid to ensure nonopioid pain drugs are not disadvantaged relative to opioids on the preferred drug list, and nonstatin cardiovascular drugs with unique indications are not disadvantaged relative to other cardiovascular drugs, effective July 1, 2025.
What it would do: Renames the Comprehensive Hurricane Damage Mitigation Program to the Strengthen Mississippi Homes Program, expands it to include wind mitigation, increases financial grants to $15,000 per home, and dedicates half of a $50 filing fee for agent certificates of authority to fund the program starting July 1, 2025.
What it would do: Creates the Motor Vehicle Liability Insurance Enforcement Study Committee to examine and recommend effective means of ensuring drivers have motor vehicle liability insurance, including feasibility of requiring proof of insurance before license tag issuance or renewal, with findings due to the Legislature by October 1, 2025.
What it would do: Establishes requirements for pharmacy benefit managers and pharmacy services administrative organizations regarding prompt payment to pharmacies within 7-35 days, prohibits spread pricing, restricts steering patients to affiliate pharmacies, requires licensing and reporting of drug pricing information, and creates administrative appeal procedures for reimbursement disputes.
Showing the 25 furthest along of 170. Subscribers see all of them, filtered and searchable. Bill titles link to the Mississippi 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 Mississippi have an insurance law?
Yes. Mississippi enacted 17 insurance laws in the 2025 and 2026 sessions, among them SB 2409, HB 565 and HB 856. Each is listed on this page with what it requires.
When do Mississippi's insurance laws take effect?
SB 2409 on 1 July 2026, HB 565 on 1 July 2026, HB 856 on 30 June 2026, SB 2704 on 1 October 2026 and HB 1332 on 1 July 2026. The others have no single date in their text.
Which insurance bills are moving in Mississippi?
29 bills not yet law have passed a committee or a chamber, the furthest along HB 557 (passed chamber), HB 1665 (passed chamber) and HB 1019 (passed chamber).
What does Mississippi legislate on most in insurance?
Health coverage and plan regulation (94 bills), Licensing, solvency and market conduct (33 bills) and Auto insurance (26 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 Mississippi
- AI in Mississippi28
- Alcohol in Mississippi56
- Cannabis in Mississippi34
- Children's Online Safety in Mississippi9
- Cybersecurity in Mississippi21
- Data center and energy in Mississippi2
- Data Privacy in Mississippi16
- Employment in Mississippi81
- Healthcare in Mississippi246
- Intellectual Property in Mississippi13
- Packaging and PFAS in Mississippi2
- Payments and fintech in Mississippi21
- Rental housing in Mississippi10
- Tobacco and nicotine in Mississippi22
- Transportation in Mississippi20
- All jurisdictions
Insurance legislation in other jurisdictions
52 more currently hold bills in this tracker
- New Jersey539
- New York481
- Texas314
- Massachusetts246
- Connecticut230
- Louisiana214
- Maryland208
- Missouri197
- Hawaii190
- Rhode Island188
- 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 Mississippi's insurance law changes
An alert when a bill moves, and one report a month on what changed in every state and Congress.