Utah insurance laws
What Utah has enacted on insurance, what each law requires, and what the bills still moving would do. Utah is one of 51 states that enacted an insurance law in the 2025 and 2026 sessions.
10 new Utah laws take effect in 2027
- Bills in scope
- 70bills in scope
- Past committee
- 49past committee
- Most recent action
- 26 March 2026most recent action
Insurance laws enacted in Utah
47 insurance laws enacted in the Utah Legislature in the 2025 and 2026 sessions, newest first. Each links to the legislature's own page.
What it requires: Every first responder agency must provide or make available mental health resources to first responders, their spouses and children, surviving spouses of line-of-duty death victims, and retired or separated first responders and their spouses for at least three years after requesting such resources. Agencies must annually inform first responders of availability and access procedures and designate a mental health resources liaison.
Health coverage and plan regulation
- HCR 10Concurrent Resolution Directing PEHP Regarding Hormone Replacement TherapyEnacted 25 March 2026
Health coverage and plan regulation
- HCR 8Concurrent Resolution Directing PEHP to Establish the Weight Management and Obesity Pilot ProgramEnacted 25 March 2026
What it requires: The Public Employees' Benefit Insurance Program must modify the bariatric surgery pilot program into the Weight Management and Obesity Pilot Program beginning with the 2026 plan year, including an alternative GLP-1 treatment pathway with specified parameters: 50% member cost sharing, $300 monthly pharmacy expense cap, 24-month coverage limit, and reimbursement basis administration. PEHP must permit medically qualified members one-time choice between bariatric surgery and GLP-1 treatment and report results to the Health and Human Services Interim Committee before December 1, 2026, and annually through 2028.
Health coverage and plan regulation
What it requires: The Department of Health and Human Services must transition the state's Children's Health Insurance Program from a separate program to providing benefits under the state's Medicaid program by applying for a state plan amendment before July 1, 2026. The department must add immunosuppressive drugs to the Medicaid preferred drug list beginning March 1, 2027. Interest earned on Medicaid ACA Fund money must be deposited into the General Fund.
What it requires: Operators of motor vehicles must carry evidence of owner's or operator's security and display it upon demand of a peace officer. Owners must maintain security in effect for vehicles operated on highways. The act reduces penalties for operating a vehicle 21-29 mph in a school zone from class C misdemeanor to infraction and reduces careless driving from class C misdemeanor to infraction.
What it requires: Beginning with the 2027 plan year, PEHP must include in its drug formulary at least one clinically appropriate non-opioid prescription drug as an alternative for each opioid prescription drug. PEHP must not place cost sharing, prior authorization, step therapy, or other utilization review requirements on covered non-opioid prescription drugs that are more restrictive than requirements placed on covered opioid prescription drugs.
Health coverage and plan regulation
What it requires: Courts must award reasonable attorney fees to a prevailing party if the nonprevailing party's civil action or defense is frivolous or lacks reasonable basis in law or fact and was brought to harass, cause unreasonable delay, needlessly increase litigation costs, or abuse the judicial process. Courts may award limited or no fees if the party filed an indigency affidavit or the court enters reasons in the record.
Licensing, solvency and market conduct
What it requires: Insurers must post preauthorization requirements and statistics on their websites, disclose whether they use artificial intelligence in authorization reviews, make authorization decisions within seven calendar days (72 hours for urgent care), maintain minimum authorization validity periods of 12 months for chronic conditions and six months for outpatient services, and provide detailed notices explaining adverse determinations.
Health coverage and plan regulation
What it requires: Covered insurers must offer single case agreements allowing covered children to receive mental health treatment from out-of-network therapists who treated them while in Division of Child and Family Services custody, if requested within 90 days of leaving custody. The Division must facilitate continuity of mental health care when children enter or leave its custody.
Health coverage and plan regulation
What it requires: Pharmacy benefit managers must not use maximum allowable cost for reimbursement unless the drug is FDA-rated A or B (or NR/NA) and generally available and not obsolete. Pharmacy benefit managers must make maximum allowable cost lists available electronically, review and adjust them weekly, and provide a 21-day appeal process with specific denial reasons and documentation of drug availability.
Health coverage and plan regulation
What it requires: Subcontractors on special projects must provide the general contractor and property owner with a current employee list, second-tier subcontractor information, zero estimated exposure policy notice and copy if applicable, ensure employees have photo identification, and provide estimated labor hours. General contractors and property owners must retain this information for three years and provide it to the division upon request.
Workers' compensation, surety and specialty lines
What it requires: Motor carriers operating in Utah must obtain motor vehicle liability insurance for power units that includes a separate coverage rider providing at least $40,000 minimum coverage for recovery operations. Commercial liability insurers must pay recovery operators within 60 days of receiving an invoice, either the full amount or 75% of the invoiced amount, whichever is less, capped at $40,000. Towing entities must require tow truck motor carriers to disclose recovery operation qualifications and dispatch appropriately qualified carriers.
What it requires: Risk contractors and subcontractors must quarterly identify, document, and repay improper payments within 30 days of reporting, conduct root cause analyses, and develop corrective action plans. The Division of Integrated Healthcare must establish and maintain a public dashboard of Medicaid data by December 31, 2026, and publish managed care organization reports.
Health coverage and plan regulation
What it requires: A health benefit plan that covers mammography screening must provide coverage of mobile mammography screenings performed by an approved mobile mammography unit in a rural area. The plan must reimburse at the same rate as in-network screenings. An approved mobile mammography unit must accept reimbursement and applicable cost sharing as payment in full and may only provide services per United States Preventative Services Task Force Guidelines.
Health coverage and plan regulation
What it requires: Insurers may not insure against punitive damages or consider punitive damages when underwriting, rating, classifying risk, or determining premiums. In employment or agency relationships, employers, principals, and managing agents are not vicariously liable for punitive damages unless the plaintiff proves by clear and convincing evidence that the employer's conduct was willful, malicious, reckless, or that the employer authorized, ratified, approved, or was reckless in employing the tortfeasor.
What it requires: Health insurers must permit insureds to select a participating physical therapist to provide physical therapy services. Health insurers must not impose a copayment, coinsurance, or office visit deductible for covered physical therapy visits that exceeds the copayment, coinsurance, or office visit deductible for visits with a primary care provider.
Health coverage and plan regulation
What it requires: Health benefit plans in the individual and large group markets must provide coverage for diagnosis and treatment of autism spectrum disorder. Coverage for behavioral health treatment must include at least 600 hours annually, or unlimited hours for plans entered into or renewed after January 1, 2020. Health benefit plans must report specified autism coverage data to the department annually before July 1.
Health coverage and plan regulation
What it requires: An insurer may not specify the use of non-OEM aftermarket crash parts unless the insured receives written notice. For policies issued on or after October 1, 2026, insurers must provide written notice at issuance and renewal that they may authorize or specify aftermarket crash parts. When an insurer authorizes or specifies a non-OEM aftermarket crash part, the written estimate must clearly identify it and contain specified disclosures in at least 10-point font.
Auto insurance
What it requires: The Department of Health and Human Services must implement and operate Medicaid expansion as approved by CMS and state law, paying the state portion of costs entirely from the Medicaid ACA Fund, county contributions, or other non-state agency funds. If expansion FMAP falls below 90%, the department must cease involvement in discrete programs causing the reduction and submit a proposal outlining cost containment options within 60 days.
What it requires: Health benefit plans must provide coverage for medically necessary anesthesia services regardless of duration for any covered procedure. Health benefit plans are prohibited from denying payment or reimbursement for anesthesia services solely because the duration of care exceeded a preset time limit.
Health coverage and plan regulation
What it requires: A health benefit plan that covers hormonal transgender treatments necessary for sex transition must also cover hormonal treatments necessary to reverse sex transition. A health benefit plan that covers sex transition procedures must also cover surgical procedures necessary to reverse sex transition. These requirements apply to plans renewed or entered into on or after January 1, 2027.
What it requires: Claimants demanding policy limits must provide sufficient information to evaluate claims and allow liability insurance carriers at least 30 days to respond. Liability insurance carriers must disclose within 30 days whether they will defend and indemnify insureds. Claimants corresponding with unrepresented insureds must provide written notice to the carrier and wait 45 days before filing suit.
Auto insurance
What it requires: Accident and health insurance policies must permit insureds to select a physician assistant who has trained in a primary care physician's office and completed the collaboration requirement as a primary care provider. Policies must clearly state available options and cannot impose higher premiums, copayments, or additional expenses based on provider selection.
Health coverage and plan regulation
What it requires: Beginning January 1, 2027, covered insurers must establish procedures to assist enrollees in accessing behavioral health services within 15 days (or 24 hours for urgent/emergency services) and enter single case agreements with out-of-network mental health providers when in-network providers are unavailable. Insurers must publish and update provider directories every 60 days, ensure accuracy through audits and provider verification, and respond to inaccuracy reports within 20 business days.
Health coverage and plan regulation
What it requires: An examinee subject to examination under the Insurance Code must pay reasonable examination costs including examiner compensation, travel expenses, living expenses, and department administration and supervisory expenses. A deposit made by an examinee shall first be used to pay unpaid examination costs. An agency title insurance producer must report to the Insurance Commissioner if facts indicate an electronic wire funds transfer did not reach its intended recipient.
What it requires: Every resident owner of a motor vehicle shall maintain owner's or operator's security in effect at any time the motor vehicle is operated on a highway or on a quasi-public road or parking area within the state. Nonresident owners and state entities must maintain such security continuously while their motor vehicles remain in Utah, with requirements varying by duration of presence.
Auto insurance
What it requires: Health benefit plans must ensure pharmaceutical manufacturer rebates benefit enrollees through point-of-sale offsets, premium reductions, or enhanced benefits. Pharmacy benefit managers must offer self-funded health benefit plans pharmacy benefit management services complying with rebate and network provisions without spread pricing.
Health coverage and plan regulation
What it requires: A pharmaceutical manufacturer may not restrict or prohibit pharmacies from contracting with 340B entities, may not restrict 340B entities from contracting with pharmacies, may not restrict acquisition or delivery of 340B drugs to authorized locations, may not impose time limitations on 340B entities receiving discount pricing, may not require purchase from specific suppliers or submission of claim or utilization data as conditions for drug access, and may not interfere with contracts between pharmacies and 340B entities.
Health coverage and plan regulation
What it requires: Insurers providing health benefit plans must consider pharmacists as health care providers for consultations regarding emergency prescription refills, insulin refills, prescribing nebulizers or diabetic supplies, prescribing drugs or devices, or dispensing drugs, if the plan covers the product. This applies to plans renewed or entered after January 1, 2026.
Health coverage and plan regulation
What it requires: Insurers must not modify preauthorization requirements without 30 days' notice, must not revoke authorizations meeting specified conditions, must process authorization requests as pre-service claims, must ensure adverse determinations are reviewed by qualified physicians or pharmacists, and must report preauthorization data annually to the Department of Insurance.
Health coverage and plan regulation
What it requires: Health care providers treating injured employees must comply with commission rules regarding fees for covered medical services, disclosure of medical records related to work-related injury claims, and reports to the division. Health care providers may not engage in balance billing. Employers and workers' compensation insurance carriers must file reports of work-related injuries and fatalities within time limits established by the commission.
Workers' compensation, surety and specialty lines
What it requires: Issuers of Medicare supplement insurance must allow enrollees to select a comparable or lower tier plan annually during a 60-day window beginning on the enrollee's birthday. Issuers may not deny enrollment based on medical underwriting when an enrollee selects such a plan.
Health coverage and plan regulation
What it does: Repeals the Rural Health Care Facilities restricted account and instead appropriates $218,900 annually to the State Tax Commission for distribution to counties and municipalities for rural health care delivery. Also updates essential health benefits requirements, authorizes Labor Commission to fund a compliance officer, and allows the Department of Government Operations to operate as an internal service fund agency.
What it does: Amends Motor Vehicle Division provisions to define terms related to trailers, motorcycles, and motorboats; allows personal vehicle fleets to register as fleets; clarifies street-legal off-highway vehicle definitions; adjusts motorboat insurance notification requirements to April through October only; and makes technical changes to various registration and tax provisions.
Health coverage and plan regulation
What it requires: Ground ambulance providers may not charge rates exceeding the base rates ($1,234.92 to $2,383.73 depending on provider type), mileage rates set by rule, or medication maximum costs. Ground ambulance providers may not balance bill. Health benefit plans and workers' compensation insurers must accept correctly charged amounts at these rates as allowable expenses and pay providers directly.
Health coverage and plan regulation
What it requires: Public agency insurance mutuals and reserve funds may form captive insurance companies. The state treasurer shall invest public agency insurance mutual assets with primary goals of stability, income, and growth, exercising reasonable care and skill as a prudent investor would. Public agency insurance mutuals are exempt from the State Money Management Act.
What it requires: Public fire departments and public firefighting organizations must reimburse employed or contracted firefighters for out-of-pocket expenses for cancer screenings at the Rocky Mountain Center for Occupational and Environmental Health. Firefighters diagnosed with presumptive cancer who meet specified requirements are entitled to a rebuttable presumption that the cancer arose from firefighting service.
Workers' compensation, surety and specialty lines
What it requires: A stop-loss insurer or reinsurer may enter into a small employer stop-loss insurance contract only with a small employer having 10 or more enrolled employees. Small employer stop-loss insurance contracts must have an annual specific attachment point of at least $25,000 and an annual aggregate attachment point of at least 90% of expected claims, and may not include lasering or pay claims directly to individual employees.
What it requires: Counties must annually assess fees against owners of high risk wildland urban interface property beginning January 1, 2026, retain a portion for implementation costs, and transmit the remainder to the Division of Forestry, Fire, and State Lands. Counties must adopt wildland urban interface building standards. Wildland urban interface property and casualty insurers must use only the division's wildfire risk assessment mapping tool boundary to determine if property is high risk.
Property, catastrophe and climate risk
What it does: Modifies long-term disability benefits for eligible employees by redefining gainful employment, including overtime pay in salary calculations, establishing death benefits, and providing life assistance counseling. Increases state-paid basic life insurance for exempt state employees from $25,000 to $50,000 and creates additional tiers up to $400,000.
Health coverage and plan regulation
Health coverage and plan regulation
What it requires: The Department of Health and Human Services must apply for a Medicaid waiver or state plan amendment before July 1, 2025, to provide wraparound services to qualified individuals with disabilities. Qualified individuals receiving services must make cost-sharing payments according to a sliding scale based on household income relative to federal poverty level, with minimum 10% payment for those above 400% of federal poverty level and maximum monthly payments of $1,500 for that income tier.
Health coverage and plan regulation
What it requires: The Public Employees' Benefit and Insurance Program must allow an individual covered within the state risk pool to add a newly born or adopted child to the individual's health plan or health coverage for a period of 60 days after the birth or adoption of the child.
Health coverage and plan regulation
What it requires: The Public Employees' Benefit and Insurance Program shall provide coverage for qualified assisted reproductive technology cycles to qualified individuals who meet specified conditions, including physician verification of infertility or attestation of inability to conceive after one year of unprotected sexual relations and unsuccessful less-costly treatments.
Health coverage and plan regulation
What it requires: Health insurance policies that require selection of a primary care provider must permit insureds to select a physician, physician assistant, obstetrician, gynecologist, or pediatrician as primary care provider. Such policies may permit insureds to select a physical therapist to provide physical therapy services. Policies must clearly state available options and cannot impose higher premiums or copayments based on provider selection.
Workers' compensation, surety and specialty lines
Insurance in Utah, by topic
Health coverage and plan regulation
38 bills, 26 enacted. Enacted in 47 states.
Auto insurance
7 bills, 3 enacted. Enacted in 29 states.
Workers' compensation, surety and specialty lines
5 bills, 4 enacted. Enacted in 45 states.
Licensing, solvency and market conduct
4 bills, 1 enacted. Enacted in 47 states.
Property, catastrophe and climate risk
2 bills, 1 enacted. Enacted in 31 states.
AI and data in underwriting and claims
1 bill. Enacted in 12 states.
Insurance bills in Utah
The bills not yet law, furthest along first, with what each would do.
47Enacted
2Past committee
21Introduced or inactive
70 bills in scope
Past committee
2
What it would do: Requires health care sharing ministries to include a prominently written notice on all websites, applications, guideline materials, and advertising materials stating 'This is not insurance. We are not obligated to pay your medical bills.'
What it would do: Expands who can diagnose autism spectrum disorder under insurance coverage to include licensed advanced practice registered nurses, clinical social workers, marriage and family therapists, clinical mental health counselors, psychologists, physicians, and physician assistants specializing in mental health, effective January 1, 2027 if S.B. 256 passes.
Introduced or inactive
21
What it would do: Repeals the statutory requirement for motorboat insurance and removes motorboat-related provisions from motor vehicle insurance and registration laws, while maintaining motor vehicle insurance requirements.
What it would do: Prohibits public employee insurance from covering hormonal transgender treatment and sex characteristic surgical procedures, with an exception for individuals already undergoing treatment on May 5, 2026. Requires coverage for procedures to restore biological sex if transition procedures were previously covered before May 6, 2026.
What it would do: Prohibits providers and their affiliates that perform elective abortions and have annual revenue of $500,000,000 or more from qualifying as eligible Medicaid providers, except hospitals. Defines elective abortion to exclude abortions for medical emergencies, fetal lethal defects, rape, or incest.
What it would do: Amends workers' compensation law to create a rebuttal presumption that THC or THC analog intoxication exceeding 20 nanograms/ml in whole blood caused an employee's injury, reducing or denying compensation unless rebutted by preponderance of evidence, and requires blood testing for cannabinoids.
What it would do: Repeals the driving privilege card program effective May 6, 2026. Prohibits the Driver License Division from issuing driving privilege cards on or after that date and removes references to driving privilege cards from state law.
What it would do: Allows individuals under 65 years old who are eligible for Medicare due to disability or end stage renal disease to enroll in Medicare supplement insurance plans at the same premium rates as those 65 and older, without medical underwriting or preexisting condition exclusions, effective May 6, 2026.
What it would do: Creates the Real Estate Communications Commission to oversee a secure network for real estate transaction communications. Requires covered individuals in real estate, mortgage, appraisal, escrow, and title industries to use this network for covered communications, with violations constituting unprofessional conduct.
What it would do: Establishes a licensing framework for ambulance membership organizations under Title 31A, Chapter 6c, requiring them to maintain reserves, post surety bonds, file contracts with the commissioner, and prohibits selling memberships to Medicaid enrollees.
What it would do: Creates the Access to Insurance Plan Association as an independent state agency to provide residential and commercial property insurance when coverage is unavailable from admitted insurers, requiring all property insurers in Utah to participate and establishing governance, rates, and assessment procedures.
What it would do: Amends motor vehicle liability insurance minimum coverage limits effective January 1, 2025, to include heirs as described in Section 78B-3-105 in death liability coverage and increases minimum bodily injury and property damage limits for most policies while maintaining lower limits for self-insured private rental fleets.
What it would do: Prohibits creditors, credit reporting agencies, and insurers from discriminating based on religion, race, color, age, sex, military status, marital status, national origin, disability, genetics, or ancestry. Requires local education agencies to grant excused absences for religious observance and state universities to reasonably accommodate students' religious beliefs in admissions, attendance, and academic requirements.
What it would do: Establishes a state-operated health financing program called the Utah Cares Health Financing Program, creates the Utah Health Services Commission, transitions Medicaid and the Public Employees' Benefit and Insurance Program into this program, prohibits health care facility billing, and creates a tax to fund the program.
What it would do: Modifies the Utah Children's Health Insurance Program by removing the definition of 'traditionally eligible child' and replacing it with 'eligible child,' and repeals Section 26B-3-910 regarding alternative eligibility, effective July 1, 2025.
What it would do: Establishes a cause of action for individuals injured in accidents during prearranged rides to sue transportation network companies that failed to maintain uninsured or underinsured motorist coverage as required.
What it would do: Prohibits health benefit plans from imposing cost-sharing requirements for diagnostic or supplemental breast examinations, including mammography, MRI, and ultrasound, when provided according to National Comprehensive Cancer Network Guidelines.
What it would do: Modifies small employer stop-loss insurance contract requirements by increasing the annual specific attachment point from $10,000 to $30,000 and the aggregate attachment point from 85% to 90% of expected claims, and restricts stop-loss insurers from contracting with employers having fewer than 15 enrolled employees.
What it would do: Requires insurers to apply drug discount coupons toward enrollees' cost sharing requirements unless a generic alternative or approved biosimilar exists, or necessary plan approval is incomplete. Requires coupon providers to disclose terms 12 months in advance and allow full coupon value use.
What it would do: Requires motor vehicle liability coverage policies to cover the difference in market value before and after accidents, with the Insurance Department establishing a calculation formula by rule. Requires repair facilities to use crash parts substantially equivalent to OEM aftermarket parts and prohibits insurers from requiring non-OEM parts without written notice.
What it would do: Requires health benefit plans to cover an additional prosthetic or orthotic device if a treating physician determines it is necessary to enable an enrollee to engage in physical and recreational activities, effective for contracts entered into or renewed after July 1, 2026.
Bill titles link to the Utah 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 Utah have an insurance law?
Yes. Utah enacted 47 insurance laws in the 2025 and 2026 sessions, among them HB 416, HCR 10 and HCR 8. Each is listed on this page with what it requires.
When do Utah's insurance laws take effect?
HB 416 on 1 July 2026, HB 599 on 6 May 2026, HB 24 on 6 May 2026, HB 307 on 6 May 2026 and SB 319 on 1 January 2027. The others have no single date in their text.
Which insurance bills are moving in Utah?
2 bills not yet law have passed a committee or a chamber, the furthest along HB 255 (passed chamber) and SB 214 (passed chamber).
What does Utah legislate on most in insurance?
Health coverage and plan regulation (38 bills), Auto insurance (7 bills) and Workers' compensation, surety and specialty lines (5 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 Utah
- AI in Utah24
- Alcohol in Utah6
- Cannabis in Utah17
- Children's Online Safety in Utah7
- Cybersecurity in Utah12
- Data center and energy in Utah8
- Data Privacy in Utah30
- Employment in Utah48
- Healthcare in Utah114
- Intellectual Property in Utah6
- Packaging and PFAS in Utah1
- Payments and fintech in Utah9
- Rental housing in Utah12
- Tobacco and nicotine in Utah10
- Transportation in Utah21
- 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
- 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 Utah's insurance law changes
An alert when a bill moves, and one report a month on what changed in every state and Congress.