Tennessee insurance laws
What Tennessee has enacted on insurance, what each law requires, and what the bills still moving would do. Tennessee is one of 51 states that enacted an insurance law in the 2025 and 2026 sessions.
6 new Tennessee laws take effect in 2027
- Bills in scope
- 99bills in scope
- Past committee
- 53past committee
- Most recent action
- 27 May 2026most recent action
Insurance laws enacted in Tennessee
43 insurance laws enacted in the Tennessee Legislature in the 2025 and 2026 sessions, newest first. Each links to the legislature's own page.
- HB 2503Insurance, Health, Accident - As enacted, authorizes a health insurance entity to offer a short-term limited-duration plan and hospital indemnity coverage on the marketplace. - Amends TCA Title 3; Title 4; Title 5; Title 6; Title 7; Title 8; Title 10; Title 12; Title 29; Title 35; Title 36; Title 37; Title 39; Title 40; Title 41; Title 42; Title 45; Title 47; Title 49; Title 50; Title 52; Title 53; Title 56; Title 58; Title 63; Title 67; Title 68 and Title 71.Enacted 27 May 2026
What it does: Amends Tennessee Code Annotated Section 56-7-1013(f)(1) to reduce the deadline from ten business days to nine business days. The act takes effect upon becoming law.
Health coverage and plan regulation
- HB 2530Boards and Commissions - As enacted, revises law regulating professions under the department of commerce and insurance. - Amends TCA Title 4, Chapter 29, Part 2; Title 20, Chapter 9, Part 6; Title 55, Chapter 17, Part 1; Title 62, Chapter 13; Title 62, Chapter 18; Title 62, Chapter 2; Title 62, Chapter 20; Title 62, Chapter 27; Title 62, Chapter 35; Title 62, Chapter 4; Title 62, Chapter 6; Title 62, Chapter 76; Title 68, Chapter 102 and Title 68, Chapter 105.Took effect 1 July 2026
What it requires: Persons practicing architecture, engineering, land surveying, or landscape architecture must be registered with the state board of examiners for architects, engineers, and land surveyors. Persons must not practice or offer to practice these professions without registration. Violations include presenting forged certificates, falsely impersonating practitioners, or using expired certificates.
Licensing, solvency and market conduct
- SB 1667Motor Vehicles - As enacted, prohibits the initial issuance of registration of a motor vehicle if the vehicle has not met the requirements of the Financial Responsibility Law of 1977, which provides insurance and financial responsibility requirements for motor vehicle operators; makes related changes. - Amends TCA Title 29; Title 55 and Title 56.Enacted 27 May 2026
What it requires: The department of revenue or county clerk shall not process initial issuance or renewal of motor vehicle registration if the owner has not met financial responsibility requirements. Owners must provide documentation of insurance valid for at least thirty days. Insurers must report full book of business weekly instead of monthly.
Auto insurance
- HB 1956Insurance Companies, Agents, Brokers, Policies - As enacted, expands the prohibition, from stage 4 advanced metastatic cancer or metastatic blood cancer to any cancer, against a health benefit plan that provides coverage for cancer requiring the use of a step therapy protocol before the health benefit plan provides coverage for an approved prescription drug to an enrollee who has received a diagnosis of cancer. - Amends TCA Title 8; Title 56; Title 63; Title 68 and Title 71.Takes effect 1 January 2027
What it requires: A health benefit plan that provides coverage for cancer and associated conditions shall not require use of a step therapy protocol before providing coverage of an approved prescription drug to an enrollee who has received a diagnosis of cancer, except as provided in subdivision (h)(3).
Health coverage and plan regulation
- HB 2093Managed Care Organizations - As enacted, prohibits a managed care organization from including a provision in the managed care organization's contract with a qualified nursing facility to provide medicaid nursing facility services, that permit actual or constructive termination by the MCO without cause, for convenience, or termination without specifying the grounds for termination; requires the bureau of TennCare, in conjunction with the department of commerce and insurance, to review and approve all standard contract templates used by MCOs for facility contracting to ensure compliance. - Amends TCA Title 56; Title 68, Chapter 11 and Title 71, Chapter 5.Took effect 1 July 2026
What it requires: A managed care organization is prohibited from including contract provisions with qualified nursing facilities that permit termination without cause, for convenience, or without specifying grounds. The bureau of TennCare must review and approve all standard contract templates used by MCOs for facility contracting to ensure compliance.
Health coverage and plan regulation
- HB 2175Motor Vehicles - As enacted, requires a delivery network company or delivery network company driver to comply with certain automobile liability insurance requirements. - Amends TCA Title 4; Title 7; Title 55; Title 56 and Title 65.Took effect 1 July 2026
What it requires: Delivery network companies and DNC drivers must comply with automobile liability insurance requirements beginning July 1, 2026. When a driver is logged into the DNC's digital network or providing services, the driver or DNC must maintain at least one hundred thousand dollars in automobile liability insurance. DNCs must conduct background checks, maintain driver records, implement zero-tolerance drug and alcohol policies, and prohibit cash payments.
Auto insurance
- HB 705Insurance Companies, Agents, Brokers, Policies - As enacted, generally requires a group policy in this state that provides hospital, surgical, or major medical expense insurance on an expense incurred basis to an employee or member to extend such policy coverage for a period of time when the employee or member has been terminated if certain criteria are met. - Amends TCA Title 56.Enacted 18 May 2026
Health coverage and plan regulation
- HB 29Chiropractors - As enacted, requires certain insurers to reimburse chiropractic physicians at the same rate as physicians for the same services. - Amends TCA Title 56, Chapter 7 and Title 63.Enacted 14 May 2026
What it requires: Health insurance entities must not discriminate between chiropractic physicians and physicians licensed under title 63, chapters 6 or 9, with respect to reimbursement methodology or amount for services identified in nationally recognized services and procedures code books. Health insurance entities must not create chiropractic-specific codes or payment methodologies to circumvent this requirement.
Health coverage and plan regulation
- HB 484Insurance, Health, Accident - As enacted, requires a health insurer that issues, amends, delivers, or renews a contract or agreement for a health benefit plan to take effect on or after January 1, 2027, to include coverage for biomarker testing; requires a TennCare health benefit plan that is issued, amended, or renewed on or after January 1, 2027, to provide coverage for biomarker testing when medically necessary. - Amends TCA Title 56 and Title 71.Enacted 14 May 2026
What it requires: A health insurer that issues, amends, delivers, or renews a health benefit plan effective on or after January 1, 2026, must include coverage for biomarker testing when supported by medical and scientific evidence including FDA approvals, CMS determinations, or nationally recognized clinical practice guidelines. A TennCare health benefit plan issued, amended, or renewed on or after January 1, 2026, must provide such coverage when medically necessary.
Health coverage and plan regulation
- SB 1861Workers Compensation - As enacted, authorizes the chief administrative officer of the bureau of workers' compensation of the department of labor and workforce development to disburse funds from the subsequent injury and vocational recovery fund for costs associated with implementing and maintaining a computer system for the bureau of workers' compensation; makes other changes related to workers' compensation. - Amends TCA Title 50, Chapter 6, Part 2.Took effect 1 July 2026
What it does: Authorizes the administrator of the subsequent injury and vocational recovery fund to disburse funds for implementing and maintaining a computer system for the bureau of workers' compensation. Makes technical amendments to workers' compensation procedures regarding motions, petitions, and impairment rating determinations.
Workers' compensation, surety and specialty lines
- SB 1981Workers Compensation - As enacted, adds a requirement that an award of attorneys' fees and costs incurred when an employer unreasonably denies a workers' compensation claim or unreasonably fails to timely initiate any of the benefits associated with the claim must be based on a finding by the workers' compensation judge that the employer's conduct was unreasonable; makes related changes. - Amends TCA Title 50, Chapter 6.Enacted 5 May 2026
What it requires: Workers' compensation judges must find that an employer wrongfully denied a claim or wrongfully failed to timely initiate benefits before awarding attorney's fees and costs. An employee may seek permanent total disability benefits at any time after an original award's compensation period ends, subject to applicable statutes of limitation.
Workers' compensation, surety and specialty lines
- SB 2601Insurance Companies, Agents, Brokers, Policies - As enacted, increases from $100,000 to $250,000 the retained risk limit for a single risk covered by a policy of insurance issued by a county mutual insurance company. - Amends TCA Title 56, Chapter 22.Took effect 1 July 2026
What it does: Increases the retained risk limit for a single risk covered by a policy issued by a county mutual insurance company from $100,000 to $250,000 in two provisions of Tennessee Code Annotated Section 56-22-106(c). Effective July 1, 2026.
Licensing, solvency and market conduct
- SB 2070Insurance, Health, Accident - As enacted, enacts the "Stopping Health Insurers from Excluding Legal Decisions (SHIELD) Act." - Amends TCA Title 8; Title 56 and Title 71.Took effect 1 July 2026
What it requires: Health insurance entities must exclude exempt patients from vaccination-related quality measure denominators and must not terminate healthcare providers from networks, reduce reimbursement rates, or withhold incentive payments solely because providers retain exempt patients.
Health coverage and plan regulation
- SB 1803Commerce and Insurance, Dept. of - As enacted, directs the commissioner to use existing resources to study recent innovations by neighboring states to address substance use disorder through new health insurance coverage and reimbursement methods, strategies, or models; requires the commissioner to compile the findings and any recommendations from the study into a report for transmission to the general assembly no later than December 31, 2026. - Amends TCA Title 8; Title 33; Title 56 and Title 71.Enacted 28 April 2026
What it does: Directs the commissioner of commerce and insurance to study neighboring states' innovations in addressing substance use disorder through health insurance coverage and reimbursement methods, and requires a report with findings and recommendations to the general assembly by December 31, 2026.
Health coverage and plan regulation
- HB 569Insurance Companies, Agents, Brokers, Policies - As enacted, requires title insurance agencies that separately represent the buyer and seller in a real estate transaction and agree to an arrangement to share the title insurance premiums, commissions, or other fees paid by the buyer and seller, to provide written notice to the buyer and seller of such sharing arrangement and to receive signed, written acknowledgement from the buyer and seller confirming that they were so notified in writing; makes other related changes. - Amends TCA Title 56, Chapter 35 and Title 66.Enacted 27 April 2026
What it requires: A purchaser or borrower in a real property transaction has the exclusive right to select the settlement agent. A seller must not require use of a particular settlement agent or condition contract performance on the purchaser's choice of settlement agent. A settlement agent must not collect fees from a represented seller without written consent from the seller's attorney.
Workers' compensation, surety and specialty lines
- HB 1665Health Care - As enacted, prohibits certain healthcare providers from knowingly or willfully asking a minor, or a health insurance issuer, managed care organization, or entity providing reimbursement for healthcare services from requiring or requesting a healthcare provider or facility to ask, certain gender-related questions for any purpose; makes other related changes. - Amends TCA Title 4; Title 33; Title 47; Title 56; Title 63; Title 68 and Title 71.Took effect 1 July 2026
What it requires: Healthcare providers shall not ask minors verbal or written questions about whether they feel normal in their body, believe they are the correct gender, identify as a different gender, or experience gender confusion or dysphoria, except when a parent is physically present, fully informed, gives written consent, and the question directly relates to diagnosis or treatment of a specific medical or psychological condition being evaluated.
Health coverage and plan regulation
- SB 2326Real Property - As enacted, requires a homeowners' association that collects assessments for common expenses to obtain and maintain a blanket fidelity bond to insure the homeowners' association against losses resulting from theft or dishonesty committed by the officers, directors, or persons employed by the homeowners' association, or committed by any managing agent or employees of the managing agent. - Amends TCA Title 66.Took effect 1 July 2026
What it requires: A homeowners' association collecting assessments for common expenses must obtain and maintain a blanket fidelity bond insuring against losses from theft or dishonesty by officers, directors, employees, managing agents, or their employees. Coverage must equal reserve balances plus one-fourth of aggregate annual assessment income, with a minimum of ten thousand dollars.
Workers' compensation, surety and specialty lines
- HB 169Insurance, Health, Accident - As enacted, expands the definition of a health benefit plan; requires a health benefit plan that amends, renews, or delivers a policy of coverage on or after January 1, 2026, and that provides coverage for prescription contraceptives, to provide coverage for a 12-month refill of contraceptives obtained at one time by an insured person. - Amends TCA Title 56 and Title 71.Took effect 1 January 2026
What it requires: A health benefit plan that amends, renews, or delivers a policy of coverage on or after January 1, 2026, and that provides coverage for prescription contraceptives, must provide coverage for a 12-month refill of contraceptives obtained at one time by an insured person.
Health coverage and plan regulation
- HB 310Workers Compensation - As enacted, creates a presumption that the diagnosis of a law enforcement officer or emergency medical responder with post-traumatic stress disorder as the result of responding to certain incidents was incurred in the line of duty for purposes of workers' compensation coverage. - Amends TCA Title 7, Chapter 51 and Title 50, Chapter 6.Took effect 1 July 2025
What it does: Extends workers' compensation presumption for post-traumatic stress disorder incurred in the line of duty to law enforcement officers and emergency medical responders, in addition to firefighters, effective July 1, 2025.
Workers' compensation, surety and specialty lines
- HB 576Bonding, Surety and Professional - As enacted, makes revisions to law relative to bondsmen. - Amends TCA Title 4, Chapter 3, Part 13; Title 39; Title 40; Title 41; Title 56; Title 62 and Title 67, Chapter 4, Part 8.Enacted 27 May 2025
What it does: Amends Tennessee Code Annotated Section 40-11-151 to allow bond notices to use different sized fonts and colors to make the substance of the notice conspicuous and easy to read.
Workers' compensation, surety and specialty lines, Licensing, solvency and market conduct
- HB 858Commerce and Insurance, Dept. of - As enacted, revises law relative to the treatment and coverage of treatment for stage 4 advanced metastatic cancer, blood cancer, metastatic blood cancer, and associated conditions; makes related changes. - Amends TCA Title 8; Title 56; Title 63; Title 68 and Title 71.Enacted 27 May 2025
What it does: Requires the commissioner of commerce and insurance to study whether insurers comply with step therapy exception request requirements under TCA 56-7-3502(a) and report findings and recommendations to legislative leadership by December 15, 2025.
Health coverage and plan regulation
- SB 231Insurance Companies, Agents, Brokers, Policies - As enacted, requires TACIR to conduct a study on the feasibility of implementing and potential effects of enacting the insurance coverage requirements proposed in Senate Bill 231 of the 114th General Assembly, as originally filed; requires TACIR to publish a report of its findings and recommendations. - Amends TCA Title 8; Title 56; Title 63; Title 68 and Title 71.Enacted 15 May 2025
What it requires: Health benefit plans that amend, renew, or deliver coverage on or after July 1, 2025, and provide habilitative or rehabilitative services must cover habilitative speech therapy for stuttering and rehabilitative speech therapy for stuttering without annual visit limits, medical necessity review, prior authorization, or disease-based restrictions, and must include in-person and telehealth coverage.
Health coverage and plan regulation
- SB 881Insurance, Health, Accident - As enacted, removes the aggregate penalty limits for violations of law concerning pharmacy benefits managers; provides that a pharmacy benefits manager regulated under law relative to pharmacy benefits managers is subject to the insurance laws relative to timely reimbursement of health insurance claims and its requirements for timing of payments to pharmacists; provides that a violation of the prompt pay standards is governed by the penalties set out in insurance laws relative to timely reimbursement of health insurance claims. - Amends TCA Title 56.Enacted 15 May 2025
What it requires: Pharmacy benefits managers must pay clean claims within thirty calendar days for paper submissions or fourteen calendar days for electronic submissions. They must pay the covered amount, pay undisputed portions with written notice of disputed portions, or notify the provider in writing why the claim is not clean and what documentation is needed.
Health coverage and plan regulation, Licensing, solvency and market conduct
- SB 890Health Care - As enacted, revises present law relative to a patient's electronic health record and requires a health insurance entity to establish and maintain a provider access API and a prior authorization API; makes related changes. - Amends TCA Title 8; Title 47; Title 56; Title 63 and Title 68.Enacted 15 May 2025
Health coverage and plan regulation
- SB 1202Bonding, Surety and Professional - As enacted, authorizes the surety on a bail bond to petition the court for release from their obligations as surety if the principal forfeits. - Amends TCA Title 4, Chapter 3, Part 13; Title 39; Title 40; Title 41; Title 56; Title 62 and Title 67, Chapter 4, Part 8.Took effect 1 July 2025
What it does: Requires courts to publish lists of bail bond agents on the court's website. The act takes effect July 1, 2025.
Workers' compensation, surety and specialty lines
- SB 408Tort Liability and Reform - As enacted, prohibits governmental entities or local boards of education from extending immunity granted to independent school bus contractors rather than independent school bus owners and operators for providing school-related transportation services; requires liability insurance coverage in a contract or agreement between a local board of education and an independent school bus contractor for such services to be in an amount sufficient to satisfy applicable law; permits evidence of such coverage to include a certificate of insurance from an insurance provider that lists the local board of education as an additional insured. - Amends TCA Title 29, Chapter 20.Enacted 13 May 2025
What it requires: A governmental entity or local board of education shall not extend immunity granted by Tennessee Code Annotated Title 29 Chapter 20 to independent school bus contractors providing school-related transportation services. Contracts between a local board of education and an independent school bus contractor must require liability insurance coverage in amounts sufficient to satisfy applicable law.
Licensing, solvency and market conduct
- SB 464Bail, Bail Bonds - As enacted, makes changes to the law relative to professional bondsmen and agents of insurance companies making appearance bonds of a criminal nature. - Amends TCA Title 40.Took effect 1 July 2025
What it requires: Professional bondsmen and agents of insurance companies making appearance bonds must charge premium fees of not less than five percent and not more than ten percent of the face amount of the bond. For bonds of fifteen percent or higher, the fee must be no less than five percent and no more than fifteen percent of the face value.
Licensing, solvency and market conduct
- SB 1270Insurance Companies, Agents, Brokers, Policies - As enacted, requires a health benefit plan issuer to provide no later than 30 days after a health benefit plan issuer receives a written request for a claims experience report from a plan, plan sponsor, or plan administrator, the report to the requesting party; prohibits coverage by a commercial risk insurance policy of farm risks or real or personal property used in farming from being considered in determining whether property is classified as farm or agricultural property under another law or rule in this state; revises provisions relating to reinsurance and risk insurance; revises provisions relating to the readability, content, and style of life and health insurance policies. - Amends TCA Title 56 and Section 68-1-115.Enacted 2 May 2025
What it requires: A health benefit plan issuer must provide a claims experience report to a plan, plan sponsor, or plan administrator within 30 days of receiving a written request. Coverage of farm risks or property used in farming by a commercial risk insurance policy must not be considered in determining whether property is classified as farm or agricultural property under state law or rules.
Health coverage and plan regulation, Life insurance and annuities, Licensing, solvency and market conduct
- SB 286Insurance Companies, Agents, Brokers, Policies - As enacted, authorizes categorizing certain foreign multiple employer welfare arrangements as domestic multiple employer welfare arrangements if specific conditions are met. - Amends TCA Title 56, Chapter 26.Enacted 2 May 2025
What it requires: A foreign multiple employer welfare arrangement comprised only of banks may be deemed domestic if it meets five conditions: licensed in a contiguous state, has no more than 2,500 Tennessee resident employees enrolled, receives adequate regulatory oversight, applies for a certificate of authority from the commissioner, and satisfies other specified requirements.
Health coverage and plan regulation, Licensing, solvency and market conduct
- SB 1304Insurance, Health, Accident - As enacted, extends the Access Tennessee health insurance program from June 30, 2025, to June 30, 2030. - Amends TCA Section 56-7-2916.Enacted 30 April 2025
Health coverage and plan regulation
- SB 437Insurance, Health, Accident - As enacted, revises certain protocols for mental health and substance abuse services. - Amends TCA Title 56 and Title 71.Took effect 1 July 2025
What it requires: Health benefit plans offered on or after July 1, 2025, that provide mental health or substance abuse services must cover and reimburse such services through a psychiatric collaborative care model. Managed care organizations contracting with TennCare or CoverKids must provide such coverage if medically necessary. Plans may deny coverage only on medical necessity grounds while complying with MHPAEA and state utilization review law.
Health coverage and plan regulation
- SB 440Insurance, Health, Accident - As enacted, clarifies that excepted benefits are not part of a requirement to provide coverage for a specific person, provider, treatment, service, condition, or disease, unless coverage of such excepted benefits is expressly required by law. - Amends TCA Title 56.Took effect 1 July 2025
What it requires: Excepted benefits as defined in Tennessee Code Annotated section 56-7-2802 are exempt from requirements to provide coverage for a specific person, provider, treatment, service, condition, or disease unless coverage of excepted benefits is expressly required by law.
Health coverage and plan regulation
- SB 766Banks and Financial Institutions - As enacted, authorizes a premium finance company to impose and collect a convenience fee from an insured for use of certain payment methods; authorizes a premium finance company to charge and collect a handling charge for certain payment instruments when the payment instrument is not paid by the financial institution from which the instrument is drawn. - Amends TCA Title 56, Chapter 37.Enacted 29 April 2025
What it requires: A licensee may impose and collect a convenience fee from an insured paying by credit card, debit card, electronic funds transfer, electronic check, or other electronic means not exceeding actual third-party costs incurred for processing. A licensee must notify the insured of the fee amount before completing the transaction and provide an opportunity to cancel without incurring a fee. Licensees may charge a handling charge for dishonored payment instruments but not more than one handling charge per instrument.
Licensing, solvency and market conduct
- SB 842Tort Liability and Reform - As enacted, clarifies that any governmental entity may purchase any of the insurance authorized under state law, without the necessity of public bidding, as required by any public or private act or charter restriction, if such insurance is purchased through a plan authorized and approved by any organization of cities, counties, or other governmental entities as contemplated by state law. - Amends TCA Title 12; Title 12, Chapter 3 and Title 29.Enacted 29 April 2025
What it does: Amends Tennessee Code Annotated Section 29-20-407 to broaden the definition of governmental entities eligible to participate in authorized insurance plans from 'cities and counties' to 'cities, counties, or other governmental entities.'
Licensing, solvency and market conduct
- HB 1198Drugs, Prescription - As enacted, adds mandating the use of biosimilar drugs as a cost-saving measure the bureau of TennCare may implement; adds that a health carrier, health benefit plan, or utilization review organization may require a patient to try a biosimilar product prior to providing coverage for the equivalent branded prescription drug; requires the TennCare pharmacy advisory committee to consider as a factor the use of biosimilar drugs in the committee's recommendation to the bureau of TennCare on any drugs to be added to the state preferred drug list. - Amends TCA Title 4; Title 53; Title 56; Title 68 and Title 71.Enacted 28 April 2025
What it requires: The TennCare pharmacy advisory committee must consider the use of biosimilar drugs as a factor in its recommendations to the bureau of TennCare on drugs to be added to the state preferred drug list. A health carrier, health benefit plan, or utilization review organization may require a patient to try a biosimilar product prior to providing coverage for the equivalent branded prescription drug.
Health coverage and plan regulation
- HB 37Opioids - As enacted, authorizes an insurer, for purposes of group insurance plans offered to state employees, to adopt or amend a state preferred drug list (PDL); requires the insurer to ensure that a non-opioid drug approved by the U.S. food and drug administration for the treatment or management of pain is not disadvantaged or discouraged with respect to coverage relative to an opioid or narcotic drug for the treatment or management of pain on the PDL. - Amends TCA Title 8; Title 53; Title 56; Title 63; Title 68 and Title 71.Took effect 1 July 2025
What it requires: An insurer offering a group insurance plan to state employees must ensure that a non-opioid drug approved by the U.S. Food and Drug Administration for pain treatment or management is not disadvantaged or discouraged in coverage relative to an opioid or narcotic drug on the state preferred drug list. The insurer must provide reimbursement to healthcare prescribers and hospitals for non-opioid treatments provided to covered employees.
Health coverage and plan regulation
- SB 1063Insurance Companies, Agents, Brokers, Policies - As enacted, removes the requirement that a provider notify a patient of communication between the provider and a health insurance entity or healthcare facility concerning additional information needed to process a prior authorization request for the patient; removes the requirement that an utilization review agent notify the enrollee and the provider or healthcare facility when additional information is needed from the enrollee, provider, or healthcare facility to make a determination on the request for prior authorization. - Amends TCA Title 56 and Title 63, Chapter 1.Enacted 8 April 2025
What it requires: A provider must notify a patient within seven calendar days after contacting the patient's health insurance entity seeking additional information to process a prior authorization request, including a copy of the communication. A utilization review organization must notify the enrollee if the healthcare provider does not submit requested additional information within seven calendar days.
Health coverage and plan regulation
- SB 1377Insurance, Health, Accident - As enacted, enacts the "Voluntary Portable Benefit Plan Act"; makes related changes. - Amends TCA Title 50 and Title 65, Chapter 15, Part 3.Enacted 8 April 2025
What it requires: Public or private entities may voluntarily contribute funds to portable benefit plans as compensation to independent contractors. Contributions must not determine employment classification. Withholdings from contractor compensation require written agreement, clear display, and contractor opt-in with right to opt-out at any time.
Health coverage and plan regulation
- SB 569Pharmacy, Pharmacists - As enacted, makes certain changes to the practice of pharmacy, including removing the present prohibition on requiring a patient to pay an administrative fee for pharmacist-provided hormonal contraceptives when the patient is insured or covered and receives a pharmacy benefit that covers the cost of the hormonal contraceptives. - Amends TCA Title 53, Chapter 10; Title 56, Chapter 32 and Title 63, Chapter 10.Took effect 1 July 2025
What it does: Removes the prohibition on requiring patients to pay administrative fees for pharmacist-provided hormonal contraceptives when insured or covered by pharmacy benefits, and expands pharmacist authority in certain medical contexts.
Health coverage and plan regulation
- SB 696Insurance Companies, Agents, Brokers, Policies - As enacted, revises the criteria by which certain domestic insurance companies may invest or acquire an interest in foreign investment assets, real property, and certain money market funds. - Amends TCA Title 56, Chapter 3, Part 4.Enacted 8 April 2025
What it requires: Domestic insurance companies may invest or acquire interests in foreign investment assets and real property up to twenty percent (20%) of admitted assets. Domestic insurance companies may invest in government money market funds and Class 1 money market funds as defined by federal regulation and NAIC standards.
Licensing, solvency and market conduct
- HB 1045Insurance Companies, Agents, Brokers, Policies - As enacted, clarifies that the exemption from claims of creditors for the net amount payable under a policy of life insurance or under an annuity contract upon the life of a person made for the benefit of, or assigned to, the spouse, children, or dependent relatives of the person includes claims through execution, attachment, seizure, and garnishment, and that use of exempt funds does not change the classification of the funds used from exempt to nonexempt. - Amends TCA Title 56.Took effect 1 July 2025
What it does: Amends TCA 56-7-203 to clarify that life insurance and annuity proceeds exempt from creditors' claims include claims through execution, attachment, seizure, and garnishment, and that using exempt funds does not change their exempt classification.
Life insurance and annuities
- HB 128Workers Compensation - As enacted, increases, from 30 to 35, the minimum age for an individual to serve as a judge on the workers' compensation appeals board; increases, from two to three, the number of additional terms to which a judge of the workers' compensation appeals board may be reappointed; makes other changes related to workers' compensation. - Amends TCA Title 50, Chapter 6, Part 2.Took effect 1 July 2025
What it requires: Injured employees or their representatives must give written notice of work-related injury to the employer within fifteen days of the accident, or within fifteen days of knowing or reasonably should knowing of permanent physical impairment or inability to work from gradual or cumulative injury. Notice must state the employee's name and address and the time, place, nature, and cause of the accident.
Workers' compensation, surety and specialty lines
- SB 50Sunset Laws - As enacted, extends the advisory council on workers' compensation to June 30, 2031. - Amends TCA Title 4, Chapter 29 and Title 50, Chapter 6.Enacted 21 March 2025
What it does: Amends Tennessee Code to extend the advisory council on workers' compensation by adding it to the list of entities subject to sunset review provisions, effectively extending its authorization to June 30, 2031.
Workers' compensation, surety and specialty lines
Insurance in Tennessee, by topic
Health coverage and plan regulation
57 bills, 24 enacted. Enacted in 47 states.
Licensing, solvency and market conduct
28 bills, 11 enacted. Enacted in 47 states.
Workers' compensation, surety and specialty lines
15 bills, 9 enacted. Enacted in 45 states.
Auto insurance
6 bills, 2 enacted. Enacted in 29 states.
Life insurance and annuities
3 bills, 2 enacted. Enacted in 24 states.
AI and data in underwriting and claims
2 bills. Enacted in 12 states.
Property, catastrophe and climate risk
1 bill. Enacted in 31 states.
Insurance bills in Tennessee
The bills not yet law, furthest along first, with what each would do.
43Enacted
10Past committee
46Introduced or inactive
99 bills in scope
Past committee
10
What it would do: Requires deeds of conveyance of real property to be prepared by an attorney licensed in Tennessee, a title insurance agent licensed in Tennessee, the owner, or someone with legal authority to act on behalf of the owner, effective July 1, 2026.
What it would do: Requires state and local governments to provide fully paid health insurance coverage to spouses and eligible dependent children of law enforcement officers killed or catastrophically injured in the line of duty on or after January 1, 2020, and requires the state to reimburse local governments for such coverage.
What it would do: Creates the Tennessee Commission of Insurance Review to enforce health insurance regulations. Prohibits health insurance entities from using downcoding that prevents providers from collecting fees, making unilateral contract changes without 60 days' notice, sending enrollee data outside the US, or using lasering in stop-loss underwriting.
What it would do: Prohibits out-of-network ambulance service providers from balance billing health plan enrollees for emergency ambulance services starting July 1, 2025. Limits enrollee payment to the lesser of in-network cost-sharing, provider charges, or 325% of Medicare's published rate for the service.
What it would do: Amends Tennessee Code Annotated Section 56-1-106(a)(2)(A) to extend from 30 days to 30 business days the period within which an insurer must respond to the Department of Commerce and Insurance's request for information regarding a complaint filed against the insurer.
What it would do: Prohibits insurers, pharmacy benefits managers, and third-party administrators from changing health plan coverage terms based on availability of financial or product assistance for prescription drugs, and requires insurers to include all cost sharing amounts paid by or on behalf of enrollees when calculating cost sharing contributions.
What it would do: Requires courts to publish lists of bail bond agents on the court's website. The act takes effect July 1, 2025.
What it would do: Allows a county that has adopted the County Purchasing Law of 1957 to require a competitive bid process for insurance brokerage services.
What it would do: Prohibits insurance companies from requiring a visually impaired owner of a motor vehicle to obtain a commercial motor vehicle liability policy instead of a standard owner's policy if the vehicle is not used for commercial purposes. Effective July 1, 2025 for policies entered into or renewed on or after that date.
Introduced or inactive
15 of 46 shown
What it would do: Replaces membership of three state insurance committees: the state insurance committee now includes four state employees instead of prior composition; the local education insurance committee now includes three teachers instead of prior composition; the local government insurance committee now includes one municipality and one county employee instead of prior composition.
What it would do: Requires health insurers and HMOs to cover medically necessary acquired brain injury treatments including cognitive rehabilitation, neurobehavioral therapy, and community reintegration services without lifetime limits or unreasonable annual limitations, effective January 1, 2027, and requires the commissioner to establish expedited appeal procedures.
What it would do: Enacts the Zero Estimated Exposure Policy Act, requiring construction services providers with zero estimated exposure policies to notify entities they contract with and provide policy copies, and requiring insurers to obtain signed attestations from applicants confirming no employees and zero exposure.
What it would do: Increases from $50,000 to $100,000 the bond amount that insurance companies doing workers' compensation business in Tennessee must furnish with a surety company, and increases from $100,000 to $200,000 the certificate amount they may deposit with the commissioner of labor and workforce development in lieu of the bond.
What it would do: Requires health plans and insurers to cover clinical genetic testing for inherited cancer mutations recommended by healthcare professionals and evidence-based cancer imaging for individuals at increased cancer risk per NCCN guidelines, with no cost-sharing requirements, effective July 1, 2026.
What it would do: Requires health insurance issuers using artificial intelligence for utilization review or management to have a licensed healthcare professional review and determine medical necessity before denying, delaying, or modifying healthcare services. Establishes this as an unfair claims practice with private right of action for damages and attorney fees.
What it would do: Creates the Tennessee Vehicle Value Protection Product Act, establishing requirements for providers offering vehicle value protection agreements that provide benefits for vehicle trade-in, total loss, or theft, including mandatory insurance guarantees and consumer disclosures.
What it would do: Prohibits insurers from denying or discriminating in pricing medicare supplement policies for non-age eligible persons (under 65 with disability or end-stage renal disease) who apply within specified periods, and requires charging them the weighted average aged premium rate with no waiting periods or preexisting condition exclusions.
What it would do: Prohibits pharmacy benefits managers disciplined by the department of finance and administration or department of commerce and insurance from contracting with TennCare, state committees, or state departments, agencies, or entities. Effective July 1, 2026, for contracts entered into, amended, or renewed on or after that date.
What it would do: Requires pharmacy benefits managers to reimburse contracted pharmacies at the greatest of actual cost, 105% of NADAC, WAC, or the amount the PBM reimburses itself, and imposes penalties of twice the amount owed for non-compliance and appeal violations.
What it would do: Prohibits pharmacy benefits managers from modifying, restricting, or denying medications ordered by healthcare prescribers unless the prescriber requests a formulary exception or prior authorization, which must be granted or denied within 24 hours for urgent or 72 hours for non-urgent requests or be deemed approved.
What it would do: Requires managed care organizations and pharmacy benefits managers contracted with TennCare to reimburse claims for long-acting injectable drugs for HIV treatment and prevention administered in pharmacies, physician offices, clinics, ambulatory surgical centers, or hospitals, effective July 1, 2026.
What it would do: Requires the commissioner of commerce and insurance to publish and submit a report by October 1, 2026, containing data on alleged violations of pharmacy benefits manager reimbursement requirements during fiscal year 2026, including the number of violations, investigation findings, and penalties imposed.
Showing the 25 furthest along of 56. Subscribers see all of them, filtered and searchable. Bill titles link to the Tennessee 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 Tennessee have an insurance law?
Yes. Tennessee enacted 43 insurance laws in the 2025 and 2026 sessions, among them HB 2503, HB 2530 and SB 1667. Each is listed on this page with what it requires.
When do Tennessee's insurance laws take effect?
HB 2530 on 1 July 2026, HB 1956 on 1 January 2027, HB 2093 on 1 July 2026, HB 2175 on 1 July 2026 and SB 1861 on 1 July 2026. The others have no single date in their text.
Which insurance bills are moving in Tennessee?
10 bills not yet law have passed a committee or a chamber, the furthest along HB 1762 (passed chamber), HB 1930 (passed committee) and HB 2405 (passed committee).
What does Tennessee legislate on most in insurance?
Health coverage and plan regulation (57 bills), Licensing, solvency and market conduct (28 bills) and Workers' compensation, surety and specialty lines (15 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 Tennessee
- AI in Tennessee27
- Alcohol in Tennessee25
- Cannabis in Tennessee35
- Children's Online Safety in Tennessee7
- Cybersecurity in Tennessee5
- Data center and energy in Tennessee11
- Data Privacy in Tennessee14
- Employment in Tennessee34
- Healthcare in Tennessee94
- Intellectual Property in Tennessee7
- Packaging and PFAS in Tennessee2
- Payments and fintech in Tennessee10
- Rental housing in Tennessee15
- Tobacco and nicotine in Tennessee13
- Transportation in Tennessee15
- 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
- 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 Tennessee's insurance law changes
An alert when a bill moves, and one report a month on what changed in every state and Congress.