North Dakota insurance laws
What North Dakota has enacted on insurance, what each law requires, and what the bills still moving would do. North Dakota is one of 51 states that enacted an insurance law in the 2025 and 2026 sessions.
- Bills in scope
- 29bills in scope
- Past committee
- 29past committee
- Most recent action
- 11 June 2025most recent action
Insurance laws enacted in North Dakota
22 insurance laws enacted in the North Dakota Legislature in the 2025 and 2026 sessions, newest first. Each links to the legislature's own page.
- HB 1010AN ACT to provide an appropriation for defraying the expenses of the insurance commissioner; to create and enact a new section to chapter 26.1-23.1 of the North Dakota Century Code, relating to a government self-insurance pool report; to amend and reenact subsection 8 of section 10-04-10 and section 26.1-01-09 of the North Dakota Century Code, relating to fees charged by the securities division and the salary of the insurance commissioner; and to provide for a legislative management report.Enacted 11 June 2025
Licensing, solvency and market conduct
- HB 1216AN ACT to create and enact a new section to chapter 26.1-36 of the North Dakota Century Code, relating to out-of-pocket expenses for prescription drugs; to amend and reenact section 26.1-36.6-03 of the North Dakota Century Code, relating to self-insurance health care plans; to provide for application; and to provide an effective date.Enacted 2 May 2025
Health coverage and plan regulation
- SB 2374AN ACT to create and enact two new sections to chapter 26.1-30, two new sections to chapter 26.1-39, a new section to chapter 26.1-44, and a new subsection to section 26.1-46-03 of the North Dakota Century Code, relating to mandatory arbitration endorsements for property insurance, managed repair programs, civil remedy actions against property insurers, notice of property insurance claims, and surplus lines insurance policies; to amend and reenact sections 26.1-02-05, 26.1-25-02.1, 26.1-25-16, 26.1-26-04.1, 26.1-44-03, 26.1-46-01, 26.1-46-08, and 26.1-46-08.1 of the North Dakota Century Code, relating to exceptions to unauthorized insurance transactions, exceptions for large commercial risks in fire, property, and casualty insurance rates, surplus lines insurance, risk retention groups and purchasing groups, restrictions on insurance purchased by purchasing groups, and purchasing group taxation and fees; to repeal section 26.1-44-03.3 of the North Dakota Century Code, relating to an exemption from search requirements for licensed surplus line producers; to provide for a legislative management report; and to provide a penalty.Enacted 2 May 2025
What it requires: Insurers must obtain written acceptance from named insureds for mandatory binding arbitration endorsements on property policies, with clear disclosure of waived rights including jury trial and the premium discount amount. Insurers offering managed repair programs must prominently disclose vendor restrictions and provide separate disclosure forms. Insurers must comply with notice requirements for property insurance claims, barring claims not reported within one year of loss or supplemental claims not reported within eighteen months.
Property, catastrophe and climate risk, Licensing, solvency and market conduct
- HB 1248AN ACT to amend and reenact section 54-03-28 of the North Dakota Century Code, relating to the cost-benefit analysis requirement for health insurance mandated coverage of services.Enacted 30 April 2025
What it requires: Insurance companies, nonprofit health service corporations, and health maintenance organizations must provide benefits for health services related to suicide, attempted suicide, or self-inflicted injury on the same basis as benefits for other illnesses in all hospital, surgical, medical, or major medical benefit policies. These medical benefits are exempt from cost-benefit analysis requirements.
Health coverage and plan regulation
- HB 1584AN ACT to create and enact four new sections to chapter 26.1-27.1 of the North Dakota Century Code, relating to pharmacy benefits managers and a pharmacy benefit manager enforcement fund; to amend and reenact subsection 1 of section 26.1-01-07, sections 26.1-27.1-01, 26.1-27.1-02, 26.1-27.1-04, 26.1-27.1-06 and 26.1-27.1-07 of the North Dakota Century Code, relating to pharmacy benefits managers; to repeal section 26.1-27-01.1 and chapter 26.1-36.10 of the North Dakota Century Code, relating to pharmacy benefits managers and prescription drug costs; to provide a penalty; to provide an appropriation; to provide for a transfer; to provide an effective date; to provide an expiration date; and to declare an emergency.Enacted 30 April 2025
What it requires: A pharmacy benefits manager must hold a certificate of registration as an administrator under chapter 26.1-27. Pharmacy benefits managers must comply with drug substitution rules, cannot require participation in one contract to participate in another, must offer opt-in contracts with thirty days to respond, and must allow pharmacies to opt-out with ninety-day notice.
Health coverage and plan regulation, Licensing, solvency and market conduct
- HB 1027AN ACT to amend and reenact sections 26.1-01-03, 26.1-22-01, 26.1-22-02, 26.1-22-02.1, 26.1-22-03.1, 26.1-22-09, 26.1-22-10, 26.1-22-11, 26.1-22-14, 26.1-22-16, 26.1-22-17, 26.1-22-21, and 26.1-22-22, subdivisions a and c of subsection 1 of section 26.1-23.1-01, and section 37-03-13 of the North Dakota Century Code, relating to changing the administration of the state fire and tornado fund from the insurance commissioner to the office of management and budget; to repeal sections 26.1-22-03, 26.1-22-05, 26.1-22-06, 26.1-22-06.1, 26.1-22-08, 26.1-22-10.1, 26.1-22-13, 26.1-22-15, 26.1-22-18, 26.1-22-19, and 26.1-22-21.1 of the North Dakota Century Code, relating to the administration of the state fire and tornado fund; to provide for a legislative management study; and to provide a continuing appropriation.Enacted 24 April 2025
What it requires: The office of management and budget must manage the state fire and tornado fund, provide insurance coverage to state agencies, political subdivisions, and winter shows against fire, tornado, windstorm, and other specified perils, certify assessments, and procure excess loss reinsurance. Insured entities must report property values and pay assessments within sixty days.
Property, catastrophe and climate risk, Licensing, solvency and market conduct
- SB 2280AN ACT to create and enact chapter 26.1-36.12 of the North Dakota Century Code, relating to prior authorization for health insurance; to provide for a legislative management study; to provide for a legislative management report; and to provide an effective date.Enacted 24 April 2025
What it requires: Prior authorization review organizations must make authorization or adverse determination decisions within two business days for nonurgent services, twenty-four hours for urgent services, and two business days for post-stabilization services. Adverse determinations must be made by licensed physicians or dentists of similar specialty. Prior authorization review organizations may not require prior authorization for emergency services, medication assisted treatment for opioid use disorder, or prehospital transportation.
Health coverage and plan regulation
- SB 2375AN ACT to create and enact a new section to chapter 43-28 of the North Dakota Century Code, relating to joint negotiations by dental providers with dental insurers.Enacted 24 April 2025
What it requires: Two or more dental providers may jointly negotiate with dental insurers on non-fee matters without commissioner permission. Upon finding substantial market power and threat to care quality, they may jointly negotiate fees with commissioner approval. A joint negotiation representative must obtain express commissioner permission and submit proposed and negotiated contracts for commissioner approval within specified timeframes.
Licensing, solvency and market conduct
- HB 1026AN ACT to amend and reenact sections 23-24-07, 26.1-01-03, 26.1-21-01, 26.1-21-02, 26.1-21-04, 26.1-21-07, 26.1-21-09.1, 26.1-21-10, 26.1-21-11, 26.1-21-12, 26.1-21-14, 26.1-21-16, 26.1-21-18, 26.1-21-19, 26.1-21-21, 26.1-21-23, 61-06-08, and 61-16.1-05 of the North Dakota Century Code, relating to changing the administration of the state bonding fund from the insurance commissioner to the office of management and budget; to repeal sections 26.1-21-03, 26.1-21-08, 26.1-21-09, 26.1-21-13, 26.1-21-15, 26.1-21-17, 26.1-21-20, 26.1-21-22, and 26.1-21-24 of the North Dakota Century Code, relating to the administration of the state bonding fund; and to provide a continuing appropriation.Enacted 21 April 2025
Workers' compensation, surety and specialty lines
- HB 1481AN ACT to create and enact two new sections to chapter 26.1-36.9 of the North Dakota Century Code, relating to dental insurer rate requirements and reporting; and to provide an effective date.Enacted 21 April 2025
What it requires: Dental insurers must annually file proposed plan rates and group rating factors with the commissioner for the following January first. The commissioner must disapprove rates that are excessive, inadequate, unreasonable, or have a dental loss ratio below eighty-three percent. Dental insurers must refund excess premiums when the annual dental loss ratio falls below eighty-three percent.
Health coverage and plan regulation, Licensing, solvency and market conduct
- SB 2076AN ACT to amend and reenact section 50-24.6-04 of the North Dakota Century Code, relating to prior authorization and certification of medically necessary medication.Enacted 18 April 2025
What it requires: The department shall develop and implement a prior authorization program for medical assistance recipients' drugs. The department may not prior authorize substantially all drugs in six medication classes for individuals eighteen and older, except for quantity limits, cost-based brand-to-generic substitutions, or line extension drugs. For individuals under eighteen, prior authorization is prohibited for these classes unless they have five or more concurrent psychotropic prescriptions.
Health coverage and plan regulation
- HB 1088AN ACT to amend and reenact section 26.1-01-03.3 of the North Dakota Century Code, relating to penalties for violation of the insurance title; and to provide a penalty.Enacted 14 April 2025
Licensing, solvency and market conduct
- SB 2124AN ACT to create and enact section 26.1-03-19.8 and a new section to chapter 26.1-03 of the North Dakota Century Code, relating to insurance company inquiries and insurance company statements; and to amend and reenact section 26.1-03-19.1 and subsection 6 of section 26.1-03-19.4 of the North Dakota Century Code, relating to insurance company definitions and examination records.Enacted 9 April 2025
What it requires: Insurance companies must reply in writing to data calls issued by the commissioner within twenty days of receipt unless an extension is granted. The commissioner may inquire into any person or business to the extent necessary or material to the company's operations. The commissioner may require foreign or domestic insurance companies to annually file a market conduct annual statement.
Licensing, solvency and market conduct
- SB 2172AN ACT to create and enact a new section to chapter 26.1-45 of the North Dakota Century Code, relating to long-term care insurance policy terms and claim payments.Enacted 9 April 2025
What it requires: Long-term care insurance policies delivered or issued for delivery in North Dakota may not include defined terms unless they are defined in the policy and consistent with specified requirements for activities of daily living, cognitive impairment, and related terms. Policies may not prohibit or delay benefit payments to basic care facilities when the insured meets eligibility criteria, cannot perform two or more activities of daily living without supervision or direct assistance, or has cognitive impairment requiring continual supervision.
Health coverage and plan regulation
- HB 1114AN ACT to create and enact a new section to chapter 26.1-36 of the North Dakota Century Code, relating to individual and group health insurance coverage of insulin drugs and supplies; and to amend and reenact section 54-52.1-04.18 of the North Dakota Century Code, relating to health insurance benefits coverage of insulin drugs and supplies.Enacted 7 April 2025
What it requires: Insurance companies, nonprofit health service corporations, and health maintenance organizations must limit out-of-pocket costs for a thirty-day supply of covered insulin drugs to twenty-five dollars per pharmacy or distributor and covered medical supplies for insulin dosing and administration to twenty-five dollars per pharmacy or distributor, regardless of quantity or type. They must not impose deductibles, copayments, coinsurance, or other cost-sharing that exceeds these limits.
Health coverage and plan regulation
- SB 2348AN ACT to create and enact a new section to chapter 15-10 and a new chapter to title 50 of the North Dakota Century Code, relating to the acceptance of health care sharing ministries by an institution of higher education and health care sharing ministries' exemptions from insurance laws and regulations.Enacted 4 April 2025
What it requires: Health care sharing ministries must be recognized as tax exempt under IRC section 501(c)(3), limit participants to those sharing common ethical or religious beliefs, provide monthly reports of shared needs, conduct annual independent audits, and include specific written disclaimers on applications explaining the organization is not insurance and participation is voluntary.
Health coverage and plan regulation, Licensing, solvency and market conduct
- SB 2088AN ACT to amend and reenact subsection 4 of section 26.1-02.2-01, sections 26.1-02.2-05 and 26.1-02.2-07, and subsection 1 of section 26.1-02.2-08 of the North Dakota Century Code, relating to data security requirements for insurance producers; and to repeal section 26.1-02.2-11 of the North Dakota Century Code, relating to implementation dates for certain data security requirements for insurance producers.Enacted 27 March 2025
What it requires: Licensees must notify the commissioner within seventy-two hours of determining a cybersecurity event involving nonpublic information has occurred, if the licensee's state of domicile or home state is North Dakota and the event has reasonable likelihood of materially harming a consumer or operations, or involves two hundred fifty or more consumers. Notification must include specified details about the event, affected consumers, and remediation efforts.
Licensing, solvency and market conduct
- SB 2091AN ACT to amend and reenact section 26.1-36.7-08 of the North Dakota Century Code, relating to requirements for reinsurance association of North Dakota claims; and to declare an emergency.Enacted 20 March 2025
What it requires: A member insurer must be reinsured by the association for claims of an insured totaling at least one hundred thousand dollars and not more than one million dollars incurred per plan year, at an amount not exceeding seventy-five percent of the member insurer's responsibility for claims under an individual's nongrandfathered individual health benefit plan. The board shall annually determine attachment points and coinsurance percentage for association claims on or before April first of the preceding year.
Workers' compensation, surety and specialty lines
- SB 2125AN ACT to create and enact section 26.1-26-33.1 of the North Dakota Century Code, relating to obligations of insurance producers to maintain an electronic mailing address for regulatory use; to amend and reenact sections 26.1-26-11, 26.1-26-22, 26.1-26-42.1, 26.1-26.8-09, 26.1-26.8-11, and 26.1-26.8-12 of the North Dakota Century Code, relating to producer's lines of insurance, service of process for producer proceedings, revocation of nonresident producer licenses, requirements for renewal of business entity public adjuster licenses, public adjuster proof of insurance requirements, and public adjuster continuing education requirements.Enacted 20 March 2025
What it requires: Insurance producers must maintain an electronic mailing address for regulatory use and continually monitor it for regulatory communications from the commissioner. Public adjusters must maintain a surety bond or proof of insurance of at least twenty thousand dollars. Business entity public adjusters must renew licenses within ninety days preceding expiration.
Licensing, solvency and market conduct
- HB 1087AN ACT to amend and reenact sections 26.1-27-03 and 26.1-27.1-02 of the North Dakota Century Code, relating to licensing for administrators of life and health insurance and pharmacy benefit managers.Enacted 19 March 2025
What it requires: A person may not act as or hold oneself out to be an administrator of life and health insurance in North Dakota without a license issued by the commissioner. A pharmacy benefits manager must hold a license as an administrator under chapter 26.1-27. Applications require a one hundred dollar filing fee and annual renewal requires a fifty dollar fee.
Health coverage and plan regulation, Licensing, solvency and market conduct
- HB 1123AN ACT to amend and reenact sections 26.1-01-07 and 26.1-26-13.4, subsection 4 of section 26.1-26.8-04, subdivision b of subsection 1 of section 26.1-26.8-05, subdivision a of subsection 1 of section 26.1-26.8-06, subdivision b of subsection 1 of section 26.1-26.8-09, subdivision b of subsection 2 of section 26.1-26.8-09, and subsections 2 and 4 of section 26.1-27-03 of the North Dakota Century Code, relating to fees charged by the insurance commissioner.Enacted 19 March 2025
Licensing, solvency and market conduct
- HB 1124AN ACT to amend and reenact sections 26.1-10-01, 26.1-10-04, 26.1-10-05, and 26.1-10-07 of the North Dakota Century Code, relating to the standards and management of an insurer with an insurance holding company system and the confidential treatment of investigation and examination records of insurance holding companies.Enacted 19 March 2025
What it requires: Insurers in insurance holding company systems must register with the commissioner and file annual registration statements disclosing capital structure, ownership, affiliates, and material transactions. Ultimate controlling persons must file annual enterprise risk reports and group capital calculations. Insurers must comply with standards for affiliate transactions including fair terms, reasonable charges, and adequate surplus maintenance.
Licensing, solvency and market conduct
Insurance in North Dakota, by topic
Licensing, solvency and market conduct
16 bills, 14 enacted. Enacted in 47 states.
Health coverage and plan regulation
12 bills, 10 enacted. Enacted in 47 states.
Workers' compensation, surety and specialty lines
4 bills, 2 enacted. Enacted in 45 states.
Property, catastrophe and climate risk
2 bills, 2 enacted. Enacted in 31 states.
Auto insurance
1 bill. Enacted in 29 states.
Insurance bills in North Dakota
The bills not yet law, furthest along first, with what each would do.
22Enacted
1Cleared both chambers
6Past committee
29 bills in scope
Cleared both chambers
1
What it would do: Amends the uniform group insurance program definitions and structure to require nongrandfathered health plans meeting federal requirements, clarifies health insurance benefits coverage types, and updates premium rate structures and participation terms for political subdivisions and retirees.
Past committee
6
What it would do: Creates the North Dakota insurance incentive program to provide matching capital grants to property insurers to improve availability and affordability of property insurance, with grants ranging from two to ten million dollars and requiring insurers to commit matching capital and meet net written premium requirements.
What it would do: Requires the public employees retirement system board to cover diagnosis of infertility and fertility treatment services, including up to three intrauterine insemination cycles, fertility treatments for two live births or four oocyte retrievals, and five years of cryopreservation services for covered individuals. Coverage expires June 30, 2027.
What it would do: Adds posttraumatic stress disorder as a compensable workers' compensation injury if diagnosed by a psychiatrist, meets DSM-5 criteria, and caused by extraordinary stress, but limits benefits to 32 weeks or two lifetime claims. Applies to injuries on or after August 1, 2025, and expires July 31, 2029.
What it would do: Requires insurers offering automobile comprehensive or collision coverage to provide at least one policy with additional auto glass coverage and a separate deductible or predeductible for auto glass repair or replacement.
What it would do: Modifies workers' compensation disability benefit reinstatement requirements to include proof that the employee has not retired or voluntarily withdrawn from the job market, amends retirement presumption provisions, and repeals sections relating to additional benefits payable.
Bill titles link to the North Dakota 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 North Dakota have an insurance law?
Yes. North Dakota enacted 22 insurance laws in the 2025 and 2026 sessions, among them HB 1010, HB 1216 and SB 2374. Each is listed on this page with what it requires.
Which insurance bills are moving in North Dakota?
7 bills not yet law have passed a committee or a chamber, the furthest along SB 2160 (sent to governor), SB 2089 (passed chamber) and SB 2272 (passed committee).
What does North Dakota legislate on most in insurance?
Licensing, solvency and market conduct (16 bills), Health coverage and plan regulation (12 bills) and Workers' compensation, surety and specialty lines (4 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 North Dakota
- AI in North Dakota6
- Alcohol in North Dakota6
- Cannabis in North Dakota6
- Children's Online Safety in North Dakota2
- Cybersecurity in North Dakota1
- Data center and energy in North Dakota4
- Data Privacy in North Dakota4
- Employment in North Dakota7
- Healthcare in North Dakota37
- Intellectual Property in North Dakota2
- Payments and fintech in North Dakota3
- Rental housing in North Dakota8
- Tobacco and nicotine in North Dakota2
- Transportation in North Dakota3
- 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
- Nevada54
- Congress48
- Wisconsin48
- Idaho47
- Alaska38
- Alabama32
- Delaware30
- Vermont29
- South Dakota21
- District of Columbia8
- Puerto Rico6
- Wyoming4
Know when North Dakota's insurance law changes
An alert when a bill moves, and one report a month on what changed in every state and Congress.