Nevada insurance laws
What Nevada has enacted on insurance, what each law requires, and what the bills still moving would do. Nevada is one of 51 states that enacted an insurance law in the 2025 and 2026 sessions.
- Bills in scope
- 54bills in scope
- Past committee
- 33past committee
- Most recent action
- 20 November 2025most recent action
Insurance laws enacted in Nevada
25 insurance laws enacted in the Nevada Legislature in the 2025 and 2026 sessions, newest first. Each links to the legislature's own page.
- SB 1Revises provisions governing the short-term lease of a passenger car. (BDR 43-26)Enacted 20 November 2025
What it requires: A short-term lessor may require proof of insurance satisfying NRS 485.185 minimum coverage as a condition for leasing a passenger car. A short-term lessor shall not engage in unfair, deceptive or coercive conduct to induce purchase of waivers, optional insurance, or other optional goods or services. A short-term lessor who advertises a lease rate must include a clearly readable statement of the waiver charge and that it is optional.
Health coverage and plan regulation
What it requires: Insurers, carriers, societies, hospital and medical services corporations, and health maintenance organizations offering health insurance policies or plans must include coverage for habilitative and rehabilitative speech-language pathology as treatment for stuttering for insureds under 26 years old, effective January 1, 2026. They must not impose maximum annual limits, limit coverage based on stuttering cause, or subject benefits to medical management techniques.
Health coverage and plan regulation
- AB 428Requires certain health plans to include coverage for fertility preservation services. (BDR 57-915)Enacted 11 June 2025
What it requires: Insurers, carriers, societies, hospital and medical services corporations, health maintenance organizations, and managed care organizations must include coverage for fertility preservation procedures and services for insureds diagnosed with breast or ovarian cancer when the cancer may cause infertility or medical treatment may cause infertility. Coverage must be available through network providers. Policies delivered, issued, or renewed on or after January 1, 2026 must include this coverage. Religious organizations may object on religious grounds if written notice is provided.
Health coverage and plan regulation
What it requires: Health carriers must respond to prior authorization requests within 2 business days, or per nationally recognized operating rules if longer, but not exceeding 7 calendar days. Health carriers must not require prior authorization for certain preventive care, hospice care for pediatric patients, neonatal abstinence syndrome treatment, and other specified services.
Health coverage and plan regulation
What it requires: The Administrator of the Division of Industrial Relations must select a closed formulary for outpatient drugs by July 1, 2027, which insurers must use. Insurers must not reimburse drugs unlisted or unapproved on the formulary. Insurers must maintain physician lists with minimum numbers per discipline and replace removed physicians within 60 days. Insurers must provide notice before inspections.
Workers' compensation, surety and specialty lines
What it requires: Employers and insurers must fully reimburse injured employees or health insurers within 30 days for treatment costs when the panel contains fewer than 12 available physicians in the relevant discipline for occupational lung or heart disease claims. Injured employees may select physicians outside the panel under these conditions.
Workers' compensation, surety and specialty lines
- SB 503Eliminates the Account for the Regulation and Supervision of Captive Insurers in the Fund for Insurance Administration and Enforcement. (BDR 57-1236)Took effect 1 July 2025
What it does: Eliminates the Account for the Regulation and Supervision of Captive Insurers and redirects captive insurer fees, assessments, and 25 percent of premium tax revenues to the general Fund for Insurance Administration and Enforcement, allowing broader use of those funds.
Workers' compensation, surety and specialty lines
What it requires: The Commissioner of Insurance must establish and administer a 4-year Regulatory Experimentation Program for Insurance Product Innovation allowing authorized insurers to test qualified property insurance products while exempt from specified Nevada Insurance Code provisions. Authorized insurers must apply, provide required disclosures to consumers, maintain records, and comply with Commissioner conditions.
- SB 344Requires certain health insurance to cover certain screenings for certain genetic disorders. (BDR 57-1104)Enacted 9 June 2025
What it requires: Insurers offering health insurance policies, group health insurance, health benefit plans, benefit contracts, hospital and medical services corporation policies, health maintenance organization plans, and managed care organization plans must include coverage for noninvasive prenatal screening without prior authorization, effective January 1, 2026. Medicaid must cover noninvasive prenatal screening and routine carrier screening without prior authorization.
Health coverage and plan regulation
- AB 448Revises provisions relating to insurance for vision care. (BDR 57-983)Took effect 1 January 2026
What it requires: A provider of vision insurance must not control professional judgment of providers of vision care, employ them, withhold payment for covered services if the enrollee was eligible when services were provided, or reimburse different amounts based on the provider's choice of laboratory, supplier, equipment, professional membership, software, or billing services. A provider of vision insurance offering multiple plans must not condition participation in one plan on participation in others.
Health coverage and plan regulation
- AB 52Revises provisions relating to the payment of claims under policies of health insurance. (BDR 57-367)Took effect 1 January 2026
What it requires: Administrators of health insurance plans and all private health insurers must approve or deny claims and pay approved claims within 21 days if submitted electronically or 30 days if not. They must request additional information within 20 working days and pay interest at 10 percent per annum on late payments. They cannot deny claims without reasonable basis or request resubmitted information without legitimate reason.
Health coverage and plan regulation
- AB 555Establishes provisions relating to the coverage of prescription insulin drugs under certain policies of health insurance. (BDR 57-1167)Enacted 6 June 2025
What it requires: Insurers, carriers, societies, hospital and medical services corporations, health maintenance organizations, prepaid limited health service organizations, and managed care organizations that offer health insurance coverage for prescription insulin drugs must not impose a deductible, copayment, coinsurance, or other cost-sharing obligation greater than $35 for a 30-day supply of prescription insulin drugs.
Health coverage and plan regulation
What it requires: Employers must ensure firefighters and volunteer firefighters not in the Executive Department submit to annual cancer screenings upon commencement of coverage and thereafter yearly. Employers must pay for all screenings. Physical examinations for non-Executive Department employees must be administered by licensed physicians or advanced practice registered nurses knowledgeable about firefighting and law enforcement demands, and must include specified tests.
Workers' compensation, surety and specialty lines
- SB 246Revises provisions relating to health insurance coverage for gynecological or obstetrical services. (BDR 57-205)Enacted 6 June 2025
What it requires: Carriers offering health benefit plans, societies issuing benefit contracts, managed care organizations, the Public Employees' Benefits Program, and Medicaid must authorize women covered by their plans to obtain covered gynecological or obstetrical services without first receiving authorization or a referral from a primary care physician. This requirement applies to plans delivered, issued for delivery, or renewed on or after January 1, 2026.
Health coverage and plan regulation
- SB 292Revises provisions relating to Medicare supplemental policies. (BDR 57-1069)Enacted 6 June 2025
What it requires: Insurers offering Medicare supplemental policies must allow persons under 65 enrolled in Medicare due to disability or end-stage renal disease to purchase any policy offered to new insureds age 65 or older. Insurers must limit premiums for Plans A, B, or D to rates charged age 65 persons, and other plans to 200 percent of such rates. Insurers must establish open enrollment periods and cannot deny coverage or impose preexisting condition exclusions during these periods.
Health coverage and plan regulation
- SB 389Revises provisions relating to the administration of pharmacy benefits under Medicaid and certain other health plans. (BDR 38-240)Enacted 6 June 2025
What it requires: The Department of Health and Human Services must select and contract with one state pharmacy benefit manager by January 1, 2030, to manage all prescription drug coverage under Medicaid, the Children's Health Insurance Program, and certain other health benefit plans. The state pharmacy benefit manager must submit pharmacy contracts to the Department for approval before they become effective and must comply with reimbursement methodologies and dispensing fees established by the Department.
Health coverage and plan regulation
- AB 207Revises provisions governing the submission of certain information to the Commissioner of Insurance relating to mental health parity and addiction equity. (BDR 57-853)Enacted 3 June 2025
What it requires: Insurers and other organizations providing health coverage must submit to the Commissioner either a completed data request or a federal compliance report by October 1 each year, using the System for Electronic Rate and Form Filing. Submissions must include comparative analyses specified in federal law.
Health coverage and plan regulation
- AB 466Revises certain notice requirements imposed on an insurer who issues a policy of portable electronics insurance. (BDR 57-797)Enacted 31 May 2025
What it requires: An insurer that issues a policy of portable electronics insurance must provide written notice of policy termination or material changes to policyholders and enrolled customers at least 30 days before the effective date. Notices may be mailed, delivered, or sent by electronic mail or other electronic means, except the insurer must cease electronic delivery and use alternative methods if delivery fails or the electronic address is invalid.
Licensing, solvency and market conduct
What it requires: Insurers must not refuse to issue, cancel, refuse to renew, or increase premiums for homeowner's, renter's, manufactured home, multi-family residential dwelling, or umbrella policies based on a dog's breed or mixture of breeds, except when the dog is known to be dangerous or vicious or has been declared dangerous or vicious. Recipients of supportive housing grants must agree in writing to allow tenants to keep at least one pet subject to applicable laws.
Health coverage and plan regulation
What it requires: Insurers and the Administrator must limit reduction of compensation and liens to the portion of payments or recoveries representing economic damages. Injured employees or dependents must be made whole before liens are recoverable. Liens must be adjusted for the employee's proportional share of litigation expenses and cannot exceed compensation received.
Workers' compensation, surety and specialty lines
- SB 268Revises provisions relating to insurance coverage for certain dental services. (BDR 57-329)Enacted 31 May 2025
What it requires: Insurers, carriers, societies, health maintenance organizations, managed care organizations, and organizations for dental care that offer coverage for dental services must provide equal coverage when a qualified dental hygienist (holding a special endorsement, employed by a nonprofit organization) provides those services without dentist supervision, effective October 1, 2025. Policies conflicting with this requirement are void.
Health coverage and plan regulation
What it requires: The act expands the definition of casualty insurance under NRS 681A.020 to include legal expenses insurance, defined as insurance against liability to pay or reimburse costs of specific legal services or specific legal expenses, excluding attorney overhead and administrative costs. Casualty insurers may now be authorized to transact legal expenses insurance subject to existing casualty insurance law.
What it requires: An agency that employs a first responder must provide educational training to the first responder related to the awareness, prevention, mitigation and treatment of mental health issues. The act expands the definition of first responder to include civilian employees of law enforcement agencies whose primary duties involve responding to and investigating crime scenes.
Workers' compensation, surety and specialty lines
What it requires: The Governor shall appoint one voting member of the Board of Directors of the Silver State Health Insurance Exchange who is a member of an Indian tribe located in Nevada with expertise in health care administration for an Indian tribe. The Governor, Senate Majority Leader, and Speaker of the Assembly shall consider collective expertise and ensure Board members represent diverse skills, knowledge, experience, and geographic and stakeholder perspectives.
Health coverage and plan regulation
What it requires: Insurers, health maintenance organizations, societies, corporations, and prepaid limited health service organizations must respond to state agency inquiries regarding claims within 60 days and agree not to deny claims solely for lack of prior authorization if the state agency authorized the service, or solely for submission date, claim format, or documentation issues if submitted within 3 years of service provision.
Health coverage and plan regulation
Insurance in Nevada, by topic
Health coverage and plan regulation
31 bills, 16 enacted. Enacted in 47 states.
Workers' compensation, surety and specialty lines
11 bills, 6 enacted. Enacted in 45 states.
Licensing, solvency and market conduct
3 bills, 1 enacted. Enacted in 47 states.
Auto insurance
1 bill. Enacted in 29 states.
Property, catastrophe and climate risk
1 bill. Enacted in 31 states.
Insurance bills in Nevada
The bills not yet law, furthest along first, with what each would do.
25Enacted
1Cleared both chambers
7Past committee
21Introduced or inactive
54 bills in scope
Cleared both chambers
1
What it would do: Establishes rights related to assisted reproduction and prohibits governmental entities from substantially burdening access to assisted reproduction or control of reproductive genetic material. Requires health insurers and employers to cover infertility treatment and fertility preservation services, and allows pregnant persons to enroll in health plans outside open enrollment periods.
Past committee
7
What it would do: Requires health insurers and pharmacy benefit managers to submit annual reports on prescription drug pricing and rebates to the Commissioner. Prohibits pharmacy benefit managers from steering patients to affiliated pharmacies, requires them to pass rebates to insurers, and prohibits insurers from charging cost-sharing exceeding net drug costs.
What it would do: Establishes requirements for health insurers' prior authorization procedures, including timelines (7 days for non-urgent, 48 hours for urgent care), disclosure of clinical review criteria, prohibition on AI-only adverse determinations, and approval validity periods of 6-12 months. Applies similar requirements to Medicaid and CHIP coverage.
What it would do: Requires health insurance policies, Medicaid, and managed care plans to cover screening, assessment, and diagnosis of attention deficit hyperactivity disorder, fetal alcohol spectrum disorders, intellectual disabilities, and specific learning disabilities for persons under age 18 or enrolled in high school until age 22, effective January 1, 2026.
What it would do: Prohibits private health insurers from requiring step therapy before covering FDA-approved drugs that prevent or treat HIV or hepatitis C, while allowing step therapy for Public Employees' Benefits Program and Medicaid managed care organizations. Effective January 1, 2027.
What it would do: Requires the Nevada Insurance Commissioner to apply for grants to fund a study examining whether public and private insurance plans achieve parity between behavioral health and medical coverage, and mandates health insurers and state agencies submit data to support the study.
What it would do: Requires fully regulated freight carriers and intrastate freight carriers with vehicles of 26,000+ pounds gross vehicle weight rating to file liability insurance or bonds of at least $1,000,000 by January 1, 2026, increasing to $1,250,000 by 2028 and $1,500,000 by 2030.
What it would do: Creates the Fair Access to Insurance Requirements Plan Association to provide property and commercial property insurance coverage for fire and related perils when unavailable from authorized insurers, requiring all authorized insurers offering such coverage in Nevada to be Association members.
Introduced or inactive
17 of 21 shown
What it would do: For construction workers injured on or after October 1, 2025, requires compensation for disability or death to be based on the greater of average monthly wage or average monthly prevailing wage, and establishes methods for calculating average monthly prevailing wage based on historical hours worked and applicable prevailing wage rates.
What it would do: Repeals NRS 679A.210, which prohibited insurers from issuing or renewing liability insurance policies that reduce liability limits by defense costs or otherwise limit coverage availability for defense costs and legal fees.
What it would do: Requires health insurers and Medicaid to approve or deny prior authorization requests within 5 days for non-urgent care or 48 hours for urgent care, prohibits using AI systems to make adverse determinations without physician review, and mandates annual reporting on prior authorization requests to the Commissioner of Insurance.
What it would do: Eliminates the requirement for unit-owners' associations to include units divided by vertical boundaries in property insurance policies and authorizes associations to choose whether to include such units, while maintaining the requirement for units divided by horizontal boundaries.
What it would do: Revises industrial insurance provisions for self-insured employers and associations by eliminating the $36,000 maximum pay cap for premium calculations, removing certain surety bond requirements, allowing financial interests between administrators and third-party administrators, and terminating subsequent injury account assessments after September 30, 2025.
What it would do: Establishes maximum reimbursement rates for hospitals, emergency centers, and surgical centers serving the Public Employees' Benefits Program and opt-in local governments, with rates capped at 175% of Medicare for in-network and 160% for out-of-network facilities, and requires hospitals to publish standard charges and consumer-friendly pricing lists.
What it would do: Requires the Division of Insurance to establish a toll-free complaint number and post it online, mandates service contracts include this number and complaint procedures, and requires the Commissioner to adopt regulations establishing a one-to-five star rating system for service contract providers based on compliance and complaints.
What it would do: Expands health insurance coverage requirements for biomarker testing from cancer diagnosis and treatment to any medical condition or disease supported by medical evidence, removing the medically necessary determination requirement. Applies to private insurers, HMOs, hospital service corporations, and Medicaid, effective January 1, 2026.
What it would do: Revises post-employment disease testing requirements for police officers, firefighters, and arson investigators by moving tuberculosis screening to within 30 days of termination and consolidating contagious disease testing to within 30 days and 4-6 months after termination, and requires all hepatitis and disease testing be based on CDC or AMA recommendations.
What it would do: Revises Nevada insurance regulations by reorganizing examination provisions, establishing market conduct surveillance procedures, modifying service contract and administrator requirements, consolidating adjuster license types, expanding trade practice restrictions, strengthening domestic violence protections, and designating certain Division employees as peace officers.
What it would do: Requires the Department of Health and Human Services to contract with a single state pharmacy benefit manager to manage all Medicaid and CHIP prescription drug coverage, and establishes requirements for the state pharmacy benefit manager's operations, contracts, and reimbursement practices.
What it would do: Expands pharmacy benefit manager regulations to include pharmacist services coverage, prohibits spread pricing and steering to affiliated pharmacies, requires rebate disclosure and pass-through to patients or insurers, and mandates annual reporting to the Insurance Commissioner on PBM business practices and drug pricing.
What it would do: Requires health insurers, HMOs, and Medicaid to cover at least one non-opioid alternative for each purpose opioids are commonly used, effective January 1, 2026. Prohibits insurers from imposing stricter requirements on opioid alternatives than on opioids themselves.
Showing the 25 furthest along of 29. Subscribers see all of them, filtered and searchable. Bill titles link to the Nevada 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 Nevada have an insurance law?
Yes. Nevada enacted 25 insurance laws in the 2025 and 2026 sessions, among them SB 1, AB 169 and AB 428. Each is listed on this page with what it requires.
When do Nevada's insurance laws take effect?
SB 503 on 1 July 2025, AB 448 on 1 January 2026, AB 52 on 1 January 2026 and SB 170 on 1 July 2026. The others have no single date in their text.
Which insurance bills are moving in Nevada?
8 bills not yet law have passed a committee or a chamber, the furthest along SB 217 (vetoed), SB 316 (passed chamber) and AB 290 (passed committee).
What does Nevada legislate on most in insurance?
Health coverage and plan regulation (31 bills), Workers' compensation, surety and specialty lines (11 bills) and Licensing, solvency and market conduct (3 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 Nevada
- AI in Nevada11
- Alcohol in Nevada6
- Cannabis in Nevada11
- Children's Online Safety in Nevada2
- Cybersecurity in Nevada5
- Data Privacy in Nevada3
- Employment in Nevada28
- Healthcare in Nevada68
- Intellectual Property in Nevada2
- Packaging and PFAS in Nevada3
- Payments and fintech in Nevada4
- Rental housing in Nevada12
- Tobacco and nicotine in Nevada3
- Transportation in Nevada4
- All jurisdictions
Insurance legislation in other jurisdictions
52 more currently hold bills in this tracker
- New Jersey539
- New York481
- Texas314
- Massachusetts246
- Connecticut230
- Louisiana214
- Maryland208
- Missouri197
- Hawaii190
- Rhode Island188
- Mississippi187
- Florida185
- West Virginia175
- Illinois174
- Virginia158
- Montana155
- Oklahoma152
- Pennsylvania152
- California146
- Michigan137
- Iowa127
- Georgia112
- Kentucky109
- Tennessee99
- Indiana93
- Arizona91
- South Carolina86
- North Carolina80
- Minnesota78
- Oregon74
- Ohio70
- Utah70
- Arkansas68
- Washington67
- Kansas66
- Maine66
- New Hampshire63
- Nebraska60
- New Mexico59
- Colorado56
- Congress48
- Wisconsin48
- Idaho47
- Alaska38
- Alabama32
- Delaware30
- North Dakota29
- Vermont29
- South Dakota21
- District of Columbia8
- Puerto Rico6
- Wyoming4
Know when Nevada's insurance law changes
An alert when a bill moves, and one report a month on what changed in every state and Congress.