Virginia insurance laws
What Virginia has enacted on insurance, what each law requires, and what the bills still moving would do. Virginia is one of 51 states that enacted an insurance law in the 2025 and 2026 sessions.
14 new Virginia laws take effect in 2027, 6 on insurance
- Bills in scope
- 158bills in scope
- Past committee
- 100past committee
- Most recent action
- 21 July 2026most recent action
Insurance laws enacted in Virginia
64 insurance laws enacted in the Virginia Legislature in the 2025 and 2026 sessions, newest first. Each links to the legislature's own page.
- HB 1214Health insurance; cost-sharing payments for insulin and diabetes equipment and supplies, limit.Took effect 1 July 2026
What it requires: Carriers must set cost-sharing payments for covered prescription insulin drugs at no more than $35 per 30-day supply. Insurers, corporations, and health maintenance organizations must set cost-sharing payments for diabetes equipment and supplies at no more than $35 per 30-day supply. Provider contracts cannot authorize or require cost-sharing payments exceeding these limits.
Health coverage and plan regulation
What it requires: Insurers, corporations, and health maintenance organizations offering individual or group hospital, medical, or major medical policies in Virginia must provide coverage for maternal mental health screenings during pregnancy and the first six weeks postpartum, plus additional screenings if medically necessary. Prescription drugs for maternal mental health conditions cannot require prior authorization or step therapy.
Health coverage and plan regulation
- HB 327Commonwealth Health Reinsurance Program; extension of program, percentage goal to decrease premium.Took effect 1 July 2026
What it requires: The State Corporation Commission shall apply to federal agencies for a five-year extension of the existing State Innovation Waiver under the Patient Protection and Affordable Care Act. The Commission shall use Commonwealth Health Reinsurance Program Special Fund moneys to increase individual market affordability with a goal of decreasing premiums by up to 20 percent and to establish, operate, and administer the Program.
Health coverage and plan regulation, Licensing, solvency and market conduct
- HB 424Health insurance; definitions, prohibited restrictions on in-network referrals.Enacted 13 April 2026
What it requires: Carriers must not prohibit in-network providers from referring patients or specimens to in-network clinical laboratories or in-network pathology service providers, except where the referral would violate the Practitioner Self-Referral Act or 42 U.S. Code section 1320a-7b.
Health coverage and plan regulation
What it requires: When an employee recovers damages from a third party, the employer must pay the employee a percentage of each further entitlement equal to the ratio of total attorney's fees and costs to total third-party recovery until the accrued post-recovery entitlement equals the difference between gross recovery and the employer's compensation lien. Lifetime medical benefits and ongoing indemnity awards remain in full force. The employer's credit applies as a continuing pro rata reduction to benefits otherwise payable.
Workers' compensation, surety and specialty lines
What it requires: Carriers must not deny or make adverse determinations of prior authorization requests for prescription drugs unless reviewed and approved by a licensed physician or, if unavailable, a licensed pharmacist. Carriers must not deny or make adverse determinations of prior authorization requests for health care services unless reviewed and approved by a licensed physician or, for mental health services, a licensed mental health provider if a physician is unavailable.
Health coverage and plan regulation
- HB 625Health insurance; limit on cost-sharing payments for prescription drugs under certain plans.Enacted 13 April 2026
What it requires: Each carrier offering health plans in the individual or small group market must ensure that at least 50 percent of all health plans offered, or at least one health plan if fewer than two are offered, in each rating area and coverage level limit cost-sharing payments for prescription drugs to $100 per 30-day supply for silver, gold, and platinum plans, and $150 per 30-day supply for bronze plans.
Health coverage and plan regulation
- HB 677Residential property owners; insurance policies, roofing services by contractors.Takes effect 1 January 2027
What it requires: Contractors must not pay, waive, or rebate insurance deductibles for residential property owners. Contractors must include specific disclosures in advertisements and contracts about deductibles, unauthorized public adjusting, and consumer protection violations. Contractors must provide good faith estimates before repairs and include cancellation rights notices for contracts entered within 180 days of emergency declarations.
Property, catastrophe and climate risk, Licensing, solvency and market conduct
- HB 808Insurance; unfair claim settlement practices, modification of loss estimate.Enacted 13 April 2026
Licensing, solvency and market conduct
What it does: Amends the powers and duties of the Health Insurance Reform Commission to include assessing proposed legislation affecting health insurance costs, evaluating plan design and cost sharing impacts, and developing recommendations to increase insurance access and encourage a robust health insurance market in Virginia.
Health coverage and plan regulation
- HB 830Pharmacy benefits managers; requirements, application of law, report, delayed effective date.Enacted 13 April 2026
What it requires: Carriers and pharmacy benefits managers must prohibit spread pricing, use pass-through pricing models, and direct 100 percent of prescription drug manufacturer rebates to offsetting cost sharing or reducing premiums. They must not charge certain fees, retaliate against pharmacies, impose discriminatory terms on 340B entities, reverse claims without cause, or retroactively deny claims except for fraud or improper rendering.
Health coverage and plan regulation
- SB 161Health insurance; limit on cost-sharing payments for prescription drugs under certain plans.Enacted 13 April 2026
What it requires: Each carrier offering health plans in the individual or small group market must ensure that at least 50 percent of plans offered, or at least one plan if fewer than two are offered, in each rating area and coverage level limit cost-sharing payments for prescription drugs to $100 per 30-day supply for silver, gold, and platinum plans, and $150 per 30-day supply for bronze plans.
Health coverage and plan regulation
- SB 164Health insurance; ethics and fairness in carrier business practices, downcoded claims.Enacted 13 April 2026
What it requires: Carriers must pay clean claims within 40 days of receipt, notify providers of defects within 30 days, disclose bundling and downcoding policies, permit providers to dispute downcoded claims within 180 days, and prohibit retroactive denials of previously paid claims except within 12 months for fraud or duplicate payment.
Health coverage and plan regulation
- SB 402Residential property owners; insurance policies, roofing services by contractors.Takes effect 1 January 2027
What it requires: Contractors must not knowingly or willfully pay, waive, or rebate insurance deductibles for residential property owners. Contractors must not solicit property owners without disclosing in 12-point font that owners are responsible for deductibles and that deductible waivers violate consumer protection law. Contractors must provide good faith estimates, include required notices in contracts, and allow cancellation within 10 days for contracts entered within 180 days of emergency declarations.
Property, catastrophe and climate risk, Licensing, solvency and market conduct
- SB 594Motor vehicle insurance; unauthorized addition of insured drivers prohibited.Took effect 1 July 2026
What it requires: Insurance carriers authorized to issue motor vehicle insurance policies must not add any person to an insured policy or household based solely on external sources such as residential searches, address matching databases, public records, credit reports, or third-party data sources, or the carrier's belief that the person resides at the named insured's address. Exception applies if the carrier provides 45 calendar days' written or electronic notice and the named insured fails to provide evidence that the person does not reside in the household.
Auto insurance
- SB 693Motor vehicle insurance; unfair discrimination based on individual's consumer credit info., report.Enacted 13 April 2026
What it requires: No person shall refuse to insure, refuse to continue to insure, or limit the amount or extent of motor vehicle insurance coverage, or charge an individual a different rate for the same motor vehicle insurance coverage, solely because of such individual's consumer credit information or credit-based insurance score. The State Corporation Commission's Bureau of Insurance shall study insurers' use of consumer credit information or credit-based insurance scores in motor vehicle insurance underwriting and submit findings and recommendations by October 1, 2026.
Auto insurance, AI and data in underwriting and claims
What it requires: Employers must pay burial expenses not exceeding $15,000 and reasonable transportation expenses not exceeding $1,000 to dependents of employees killed in work accidents. Beginning January 1, 2028, and annually thereafter, the Commissioner shall adjust these amounts by the percentage increase in the Consumer Price Index for all items, all urban consumers.
Workers' compensation, surety and specialty lines
- SB 790Health insurance; mandated benefits, coverage for treatment of menopause and perimenopause.Took effect 1 July 2026
What it requires: Insurers, corporations providing accident and sickness subscription contracts, and health maintenance organizations must provide coverage for medically necessary treatment and care for menopause and perimenopause, including treatment of symptoms such as irregular menstrual periods, hot flashes, vaginal or bladder problems, loss of bone, increases in low-density lipoprotein cholesterol levels, and sleep disruptions. Requirements apply to policies delivered, issued, reissued, or extended in Virginia on and after January 1, 2027, or when any term is changed or premium adjustment is made.
Health coverage and plan regulation
- HB 1313Workers' compensation; law-enforcement officers and firefighters, post-traumatic stress disorder.Takes effect 1 January 2027
What it requires: Workers' compensation insurers must provide benefits for post-traumatic stress disorder, anxiety disorder, or depressive disorder incurred by law-enforcement officers and firefighters if a mental health professional diagnoses the condition as resulting from a qualifying event in the line of duty. Employers must make peer support available and refer officers and firefighters seeking mental health care to mental health professionals by January 1, 2021.
Workers' compensation, surety and specialty lines
What it requires: A health carrier must notify covered persons in writing of an adverse determination or final adverse determination and their right to request external review within five business days after the determination is made. The notice must include specified language in prominent bold print and information about the medical director, employee, or provider responsible for the determination.
Health coverage and plan regulation
What it requires: Insurers, corporations providing accident and sickness subscription contracts, and health maintenance organizations must include coverage for at least one opioid antagonist used for overdose reversal on the lowest cost tier of their prescription drug formulary and must not impose prior authorization or step therapy requirements on such coverage.
Health coverage and plan regulation
What it does: Defines contingent deferred annuities as annuities establishing an insurer's obligation to make periodic payments upon depletion of designated investments to a specified amount. Exempts contingent deferred annuities from nonforfeiture benefit requirements, allowing the Commission to adopt reasonable standards for them.
Life insurance and annuities
What it requires: Insurers, corporations, and health maintenance organizations offering accident and sickness insurance or health care plans with prescription drug coverage must include coverage for at least one opioid antagonist on the lowest cost tier and at least one nonprescription opioid antagonist, with no prior authorization or step therapy requirements. Pharmacies offering nonprescription opioid antagonists must post notice that insurance coverage may be available.
Health coverage and plan regulation
- SB 535Nursing homes and certified nursing facilities; required liability insurance coverage.Enacted 8 April 2026
Licensing, solvency and market conduct
What it requires: Underinsured motorist benefits insurers have no right of subrogation against a released defendant unless the underinsured motorist failed to reasonably cooperate in defense of any lawsuit, as defined by specific enumerated failures. Underinsured motorist benefits insurers must pay reasonable costs and expenses for procuring cooperation, including travel costs if the motorist resides more than 100 miles away.
Auto insurance
- HB 437Insurance; standards of conduct for public adjusters, unauthorized practice of public adjusting.Took effect 1 July 2026
What it requires: Licensed public adjusters must comply with standards of conduct including fair and honest communications with policyholders and insurers, written contracts containing specified terms, escrow accounts for policyholder funds, information security programs, and prohibitions on conflicts of interest, kickbacks, and certain fee arrangements. Unlicensed persons must not engage in public adjusting services.
Licensing, solvency and market conduct
- HB 490Health insurance; coverage for early refills of prescription eye drops.Took effect 1 July 2026
What it requires: Health carriers offering health benefit plans with outpatient prescription drug coverage must cover early refills of prescription eye drops for covered persons if the drops are a covered benefit, at least 75 percent would be used based on time elapsed, and the prescriber indicates medical necessity. Health carriers must not impose copayments, coinsurance, fees, or conditions on early refills that differ from those imposed on other covered persons in the same benefit category or copayment level.
Health coverage and plan regulation
What it requires: A tax not to exceed one-half of one percent shall be assessed, collected and paid into the state treasury by the same persons and in the same manner as set forth in Chapter 10 of this title. The Comptroller of the Commonwealth shall hold this tax solely for payment of awards against the Uninsured Employer's Fund and related administrative costs. Administrative costs including third-party administrator fees, legal fees, medical audit fees, salaries and benefits shall be paid from the fund.
Workers' compensation, surety and specialty lines
What it requires: The Department of Human Resource Management must establish and administer a health insurance plan for state employees that includes mandated benefits such as screening mammograms, postpartum services, early intervention services, contraceptive coverage, cancer drug coverage, diabetes equipment and training, reconstructive breast surgery, and colorectal cancer screening. Health carriers must report annually on mandated benefits' costs and utilization.
Health coverage and plan regulation, Licensing, solvency and market conduct
- HB 676Health insurance claims; electronic attachments accepted, delayed effective date.Takes effect 1 January 2027
What it requires: Carriers must accept electronic attachments for health insurance claims documentation and shall not require paper, facsimile, or other nonelectronic submission. Carriers must pay clean claims within 40 days of receipt and notify providers of defects within 30 days. Beginning January 1, 2026, all notifications must be delivered electronically.
Health coverage and plan regulation
- HB 736Health insurance; required provisions regarding prior authorization for prescription drugs.Enacted 6 April 2026
What it requires: Carriers must include specific provisions in provider contracts regarding prior authorization for prescription drugs, including accepting telephonic, facsimile, and electronic submissions; communicating approval, denial, or supplementation requests within 24 hours for urgent requests and two business days for standard requests; not revoking authorizations for minimum periods unless specified circumstances apply; and establishing online processes linking to e-prescribing systems by July 1, 2025.
Health coverage and plan regulation
What it requires: Carriers must include amounts paid by enrollees or on their behalf when calculating out-of-pocket maximums and cost-sharing requirements. Cost-sharing prohibitions apply only when enrollees receive health care services from participating providers. Carriers must provide prostate cancer screening coverage without cost-sharing for persons age 50 and over and age 40 and over at high risk, except where cost-sharing is necessary for Health Savings Account eligibility.
Health coverage and plan regulation
- SB 745Health insurance; definitions, prohibited restrictions on in-network referrals.Enacted 6 April 2026
What it requires: Carriers must not prohibit in-network providers from referring patients or specimens to in-network clinical laboratories or in-network pathology service providers, except where the referral would violate the Practitioner Self-Referral Act or 42 U.S. Code section 1320a-7b.
Health coverage and plan regulation
What it requires: Health carriers offering individual or small group health insurance coverage must develop premium rates based only on whether coverage is individual or family, rating areas, age (with rates varying no more than 3 to 1 for adults), and tobacco use (with rates varying no more than 1.5 to 1). Rates must not vary by any other factor.
Health coverage and plan regulation
- HB 60Life or health insurances; unfair discrimination, pre-exposure prophylaxis for prevention of HIV.Took effect 1 July 2026
What it requires: No person shall unfairly discriminate in life insurance, health insurance, or accident and sickness insurance based on specified protected characteristics. Specifically, insurers must not refuse coverage, limit coverage, or charge different rates based solely on an individual's status as a recipient of pre-exposure prophylaxis for HIV prevention, without additional actuarial risks.
Health coverage and plan regulation, Life insurance and annuities
What it requires: Health carriers offering individual or small group health insurance coverage must develop premium rates based only on whether coverage is individual or family, rating areas, age (varying no more than 3 to 1), and tobacco use (varying no more than 1.5 to 1). Rates cannot vary by any other factor. These requirements apply to plans entered into, amended, extended, or renewed on or after January 1, 2027.
Health coverage and plan regulation
- SB 669Pharmacy benefits managers; requirements, application of law, report, delayed effective date.Enacted 31 March 2026
What it requires: Carriers and pharmacy benefits managers must prohibit spread pricing, use pass-through pricing models, and direct 100 percent of prescription drug manufacturer rebates to offsetting cost sharing or reducing premiums. They must not charge pharmacies adjudication fees, reimburse pharmacies less than affiliated entities, penalize pharmacies for exercising rights, or retroactively deny claims without fraud or improper rendering.
Health coverage and plan regulation
- HB 1923Health insurance; reimbursement for services rendered by certain practitioners, etc.Took effect 1 July 2025
What it requires: Insurers and nonstock corporations must not deny reimbursement for services legally performed by specified licensed practitioners including chiropractors, optometrists, psychologists, physical therapists, athletic trainers, licensed acupuncturists, and others, provided the services are covered by the policy and performed in required settings. Reimbursement for licensed certified midwives and licensed midwives must equal that paid to certified nurse midwives.
Health coverage and plan regulation
Health coverage and plan regulation
What it requires: Insurers, corporations, and health maintenance organizations offering prescription drug coverage must provide coverage for all FDA-approved contraceptive drugs and devices, including over-the-counter options. They cannot impose copayments, coinsurance, or fees on contraceptives that differ from those on other prescription drugs, except they may cost-share multiple therapeutically equivalent versions if at least one version is available without cost-sharing.
Health coverage and plan regulation
What it requires: Insurers must appoint licensed agents within 30 calendar days of receiving their first application or policy, notify the Commission in an acceptable manner, and provide agents verification of appointment filing. Insurers must notify agents of appointment terminations within 5 calendar days and promptly notify the Commission. Agents are prohibited from selling or soliciting for an insurer after their appointment is terminated unless reappointed.
Licensing, solvency and market conduct
What it requires: Insurers, corporations providing accident and sickness subscription contracts, and health maintenance organizations must not impose cost sharing for diagnostic breast examinations and supplemental breast examinations in individual or group policies, contracts, or plans delivered, issued for delivery, or renewed in Virginia on and after January 1, 2026.
Health coverage and plan regulation
- HB 1933Workers' compensation; presumption as to death or disability from throat cancer.Enacted 24 March 2025
What it requires: Salaried or volunteer firefighters, Department of Emergency Management hazardous materials officers, and certain other law enforcement and emergency personnel who have completed five years of service and are diagnosed with throat cancer on or after July 1, 2025 are presumed to have an occupational disease covered by workers' compensation unless the employer overcomes this presumption by preponderance of competent evidence.
Workers' compensation, surety and specialty lines
- HB 2392Health insurance; pharmacy benefits managers, definition of "covered entity."Took effect 1 July 2025
What it does: Amends the definition of 'covered entity' in Virginia's health insurance code to exclude hospitals as defined in Virginia Code sections 32.1-123 or 37.2-100 from the federal Public Health Service Act definition.
Health coverage and plan regulation
- SB 1311Health insurance; pharmacy benefits managers, definition of "covered entity."Took effect 1 July 2025
What it does: Amends the definition of 'covered entity' in Virginia's health insurance code to exclude hospitals as defined in state law from the federal Public Health Service Act definition of covered entities for pharmacy benefits manager purposes.
Health coverage and plan regulation
What it requires: Insurers, corporations providing accident and sickness subscription contracts, and health maintenance organizations must not impose cost sharing for diagnostic breast examinations and supplemental breast examinations, as defined by National Comprehensive Cancer Network Guidelines, in individual or group policies delivered, issued for delivery, or renewed in Virginia on or after January 1, 2026.
Health coverage and plan regulation
- SB 920Workers' compensation; presumption as to death or disability from throat cancer.Took effect 1 July 2025
What it requires: Salaried or volunteer firefighters, Department of Emergency Management hazardous materials officers, State Police Officers' Retirement System members, police officers, sheriffs, deputy sheriffs, Virginia Marine Police officers, conservation police officers, Capitol Police officers, special agents of the Virginia Alcoholic Beverage Control Authority, airport police officers, Virginia Port Authority police officers, campus police officers, and emergency medical services personnel who have completed five years of service and are diagnosed with throat cancer shall have that cancer presumed to be an occupational disease suffered in the line of duty covered by workers' compensation, unless overcome by preponderance of competent evidence to the contrary. Throat cancer includes cancer forming in the pharynx, larynx, adenoid, tonsil, esophagus, trachea, nasopharynx, oropharynx, or hypopharynx.
Workers' compensation, surety and specialty lines
- HB 2085Health insurance; carrier business practices, method of payment for claims.Took effect 1 July 2025
What it requires: Carriers must pay clean claims within 40 days of receipt and notify providers of defects within 30 days. Carriers must include specific contract provisions regarding fee schedules, reimbursement policies, bundling and downcoding disclosures, prior authorization procedures, and prohibitions on retroactive denials beyond 12 months. Carriers must offer alternative payment methods without transaction fees.
Health coverage and plan regulation, Licensing, solvency and market conduct
What it requires: Insurers, corporations, and health maintenance organizations must provide coverage for prostate cancer screening to persons age 50 and over at average risk, age 45 and over at high risk, and age 40 and over at even higher risk, including one PSA test per 12-month period and digital rectal examinations per American Cancer Society guidelines, without cost-sharing except as permitted for health savings accounts.
Health coverage and plan regulation
- HB 2258Bureau of Insurance of SCC; step therapy protocols for health benefit plans, report.Took effect 1 July 2025
What it does: Directs the Bureau of Insurance to study step therapy protocols for health benefit plans, evaluating insurance company protocols, compliance, request metrics, reversal rates, response timeframes, and protocol changes, with a report due to the Governor and General Assembly by November 1, 2025.
Health coverage and plan regulation
- HB 2372Health Care, Joint Commission on; duty to study proposed health insurance mandates.Took effect 1 July 2025
What it requires: The Joint Commission on Health Care must assess proposed mandated health insurance benefits or providers not included in federal essential health benefits, analyzing social and economic costs and benefits, and report findings to the Health Insurance Reform Commission. The Chair of relevant House or Senate committees must request such assessments when new mandates are proposed.
Health coverage and plan regulation
What it requires: Carriers must include specific provisions in provider contracts requiring acceptance of electronic, telephonic, and facsimile prior authorization requests; communication of approval, denial, or supplementation requests within 24 hours for urgent requests and two business days for standard requests; honoring prior authorizations from previous carriers for 90 days; and establishing an online process by July 1, 2025 linking to e-prescribing systems with real-time benefit information.
Health coverage and plan regulation
- HB 2738Health insurance; coverage for mental health and substance abuse disorders.Enacted 21 March 2025
What it requires: Group and individual health insurers must provide mental health and substance use disorder benefits for children, adolescents, and adults in parity with medical and surgical benefits under the federal Mental Health Parity and Addiction Equity Act of 2008, applying generally accepted standards of care and medically necessary definitions, and must cover mobile crisis response services and residential crisis stabilization services.
Health coverage and plan regulation
- SB 1152Nursing homes and certified nursing facilities; professional liability insurance, proof of coverage.Enacted 21 March 2025
What it requires: Each nursing home and certified nursing facility must maintain general liability insurance of at least $1 million per occurrence and professional liability coverage equal to the recovery limit in § 8.01-581.15 per patient occurrence, with combined aggregate limits of $5 million per facility. Facilities must provide proof of coverage at licensure renewal or upon Board request.
Licensing, solvency and market conduct
- SB 1159Motor vehicle insurance; underinsured motorist coverage, revises language of required notice.Took effect 1 July 2025
What it requires: Insurers issuing new motor vehicle liability policies in Virginia must enclose revised notices in boldface type describing optional health care and disability benefits coverage, uninsured/underinsured motorist coverage rights and limits, and changes to underinsured motorist coverage calculation methods. The revised notices must be provided with policies delivered, issued, or renewed on or after January 1, 2026.
Auto insurance
What it requires: Insurers, corporations providing subscription contracts, and health maintenance organizations must provide coverage for prostate cancer screening to persons age 50 and over and persons age 40 and over at high risk according to American Cancer Society guidelines. Coverage must include one PSA test in a 12-month period and digital rectal examinations with no cost-sharing except as permitted for health savings account eligibility.
Health coverage and plan regulation
- SB 925Health insurance; carrier business practices, method of payment for claims.Took effect 1 July 2025
What it requires: Carriers must pay clean claims within 40 days of receipt, notify claim submitters of defects within 30 days, offer alternative payment methods without transaction fees, provide bundling and downcoding policies within 10 business days upon request, and prohibit retroactive denials of previously paid claims except within 12 months for fraud or duplicate payment.
Health coverage and plan regulation
What it requires: No person insured under a fire insurance policy or fire insurance policy combined with other coverages shall assign or transfer the duties, rights, or benefits arising from a claim or covered loss to any other person without written consent of the insurer. Any contract provision violating this section is void and unenforceable.
Property, catastrophe and climate risk, Licensing, solvency and market conduct
What it requires: Every licensed surplus lines broker or person required to be licensed as a surplus lines broker must pay annual premium license taxes on policies procured with eligible nonadmitted insurers and report direct gross premium income to the Department of Taxation by March 1 each year. Effective 2025, such brokers are exempt from taxes on policies for commuter rail systems jointly operated by specified transportation commissions.
Licensing, solvency and market conduct
What it requires: Courts or governing bodies fixing surety bond penalties for county treasurers or directors of finance must not exceed specified maximum bond amounts based on county population, ranging from $450,000 for counties with populations not more than 10,000 to $1,500,000 for counties with populations more than 100,000. Similar maximum bond amounts apply to city treasurers or directors of finance, ranging from $750,000 for cities under 100,000 population to $1,950,000 for cities over 100,000.
Workers' compensation, surety and specialty lines
What it requires: A person insured under a fire insurance policy shall not assign or transfer the duties, rights, or benefits arising from a claim or covered loss to any other person without written consent of the insurer. Any contract provision violating this prohibition is void and unenforceable. The prohibition does not apply to authorizing payment for covered services or materials, or assigning rights to seek damages from settlements or judgments exceeding liability coverage.
Property, catastrophe and climate risk, Licensing, solvency and market conduct
- HB 1641State plan for medical assistance services and health insurance; pediatric autoimmune neuropsychiatric disorders associated with streptococcal infections and pediatric acute-onset neuropsychiatric syndrome.Took effect 1 July 2025
What it requires: Insurers, corporations, and health maintenance organizations must provide coverage for prophylaxis, diagnosis, and treatment of PANDAS and PANS, including antimicrobials, medication, behavioral therapies, immunomodulating medicines, plasma exchange, and intravenous immunoglobulin therapy. Insurers must not deny coverage based on prior treatment, different diagnostic names, or require neuropsychiatric-only therapy trials before authorizing immunomodulating therapies.
Health coverage and plan regulation
- HB 2099Health insurance; required provisions regarding prior authorization for health care services.Takes effect 1 January 2027
What it requires: Carriers must include specific provisions in provider contracts regarding prior authorization for drug benefits and health care services. For drug benefits, carriers must accept multiple submission methods, respond within 24 hours for urgent requests and two business days for standard requests, honor prior authorizations from other carriers for 90 days, and maintain online processes by July 1, 2025. For health care services, carriers must respond within 72 hours for expedited requests and seven calendar days for standard requests, and post prior authorization requirements on publicly accessible websites with 30 days advance notice of changes.
Health coverage and plan regulation
- SB 1215Health insurance; required provisions regarding prior authorization for health care services.Takes effect 1 January 2027
What it requires: Carriers must include specific provisions in provider contracts regarding prior authorization for drug benefits and health care services. For drug benefits, carriers must accept multiple submission methods, communicate approval or denial decisions within specified timeframes (24 hours for urgent requests, two business days for standard requests), and honor prior authorizations from previous carriers for at least 90 days. For health care services, carriers must communicate decisions within 72 hours for expedited requests and seven calendar days for standard requests, and must publicly post all services requiring prior authorization with effective dates.
Health coverage and plan regulation
Insurance in Virginia, by topic
Health coverage and plan regulation
100 bills, 42 enacted. Enacted in 47 states.
Workers' compensation, surety and specialty lines
29 bills, 7 enacted. Enacted in 45 states.
Licensing, solvency and market conduct
20 bills, 13 enacted. Enacted in 47 states.
Auto insurance
8 bills, 4 enacted. Enacted in 29 states.
Property, catastrophe and climate risk
6 bills, 4 enacted. Enacted in 31 states.
Life insurance and annuities
5 bills, 2 enacted. Enacted in 24 states.
AI and data in underwriting and claims
4 bills, 1 enacted. Enacted in 12 states.
Insurance bills in Virginia
The bills not yet law, furthest along first, with what each would do.
64Enacted
8Cleared both chambers
28Past committee
58Introduced or inactive
158 bills in scope
Cleared both chambers
8
What it would do: Requires insurers, third-party administrators, and pharmacy benefits managers to provide policyholders employing an average of at least 100 individuals with complete medical and pharmacy claims records and summaries including claims charges, high-cost enrollee listings, and enrollment data upon request, with specified notice periods and without charge.
What it would do: This bill makes technical corrections to Virginia health insurance law regarding carrier business practices, including modifications to requirements for remittance advice communication to network providers and corrections to terminology related to application programming.
What it would do: If the payroll contribution rate for paid family and medical leave insurance reaches 2.55 percent or higher, the program expires, employers stop contributing, existing beneficiaries continue receiving benefits, and remaining trust fund balances are refunded to employers and covered individuals.
What it would do: Requires health insurers, subscription corporations, and HMOs to cover all FDA-approved contraceptive drugs and devices, including over-the-counter options, without cost-sharing for at least one therapeutically equivalent version, and permits up to 12-month supplies of hormonal contraceptives for plans delivered or renewed on or after January 1, 2027.
What it would do: Amends hearing aid and PANDAS/PANS coverage requirements for insurers and health plans. Requires the Bureau of Insurance to select a new essential health benefits benchmark plan for 2029 that includes coverage for doula care, infertility treatment, hearing aids for all ages, donor breast milk, and polycystic ovary syndrome treatment.
What it would do: Requires health insurers, corporations, and HMOs to cover all FDA-approved contraceptive drugs and devices, including over-the-counter options, without cost-sharing except when multiple therapeutically equivalent versions exist, and mandates coverage of up to 12-month supplies of hormonal contraceptives without utilization restrictions.
What it would do: Removes the sunset provision for the elimination of tobacco surcharges in health insurance and requires the State Corporation Commission to deliver annual reports on premium reductions and new enrollee percentages through January 1, 2026.
What it would do: This bill prohibits insurance companies from denying coverage, limiting coverage, or charging different rates for individuals who use pre-exposure prophylaxis (PrEP) for HIV prevention.
Past committee
17 of 28 shown
What it would do: Requires health insurers, corporations, and health maintenance organizations to allow patients to choose any pharmacy, including non-preferred providers that accept standard reimbursement rates, and prohibits penalties or restrictions based on pharmacy choice.
What it would do: Requires employers to pay a law-enforcement officer's spouse up to two-thirds of the spouse's average weekly wage for reducing work hours to provide full-time in-home care, for up to 12 weeks, and requires the Workers' Compensation Commission to report annually on applications and fiscal impact.
What it would do: Amends Virginia workers' compensation law to establish presumptions that certain cancers are occupational diseases for firefighters, emergency responders, and law enforcement officers who complete five years of service, unless overcome by preponderance of evidence, with lung and non-Hodgkin's lymphoma presumptions effective July 1, 2027.
What it would do: Establishes licensing and regulation of all-lines adjusters in Virginia, requiring individuals and business entities engaged in investigating, negotiating, or settling property, casualty, or workers' compensation claims to obtain licenses, pass examinations, maintain $50,000 bonds, and comply with continuing education requirements.
What it would do: Requires health carriers to disclose AI use in claims and coverage decisions, prohibits relying exclusively on AI to deny coverage, mandates human physician review of adverse determinations, and allows covered persons expedited external review and private right of action with civil penalties up to $50,000 per violation.
What it would do: Amends Virginia insurance codes to require insurers, health maintenance organizations, and pharmacy benefits managers to allow patients to choose any pharmacy, including nonpreferred providers, without penalties, and to process pharmacy reimbursement agreements within 60 days.
What it would do: Increases insurance company assessments for the Fire Programs Fund from 1% to 1.5% to 2% of premium income by 2027, establishes a Virginia At Risk Fire Grant Program and Firefighter PPE Fund, and increases vehicle registration fees by $2 annually to fund emergency medical services.
What it would do: Prohibits out-of-network providers from balance billing enrollees for emergency services, nonemergency surgical or ancillary services at in-network facilities, and emergency medical services vehicle transportation. Requires carriers to pay out-of-network providers a commercially reasonable amount and limits enrollee cost-sharing to in-network rates.
What it would do: Requires health insurance coverage for expenses incurred in providing pasteurized donor human milk, applicable to policies delivered, issued, or renewed on or after January 1 following at least 10 months after the effective date, excluding individual and small group markets.
What it would do: Amends Virginia's title insurance rate regulations to allow title insurance companies to negotiate rates with potential insureds and to charge rates exceeding published schedules under specified circumstances, while requiring companies to publish rate schedules to agents and provide copies to the Commission.
What it would do: Requires managed care organizations and pharmacy benefits managers to collect and report standardized data on drug expenditures, rebates, and pricing to state and federal agencies, with public disclosure of transactions. Establishes biennial independent audits and authorizes civil penalties up to $10,000 for inaccurate reporting.
What it would do: Adds sheriffs and deputy sheriffs to the list of public safety personnel eligible for workers' compensation presumptions for certain cancers after completing five years of service, including leukemia and pancreatic, prostate, rectal, throat, ovarian, breast, colon, brain, testicular, bladder, and thyroid cancers.
What it would do: Requires Medicaid and health insurance carriers to cover and reimburse mental health and substance abuse services provided by qualified non-licensed providers under direct supervision of qualified licensed providers, with claims submitted by the supervising provider using a modifier indicating the non-licensed provider's degree level.
What it would do: Requires health insurers to cover pasteurized donor human milk for infants under 12 months corrected age meeting specified medical criteria and lacking sufficient maternal breast milk. Establishes licensing requirements for donor human milk banks operated by the Department of Health.
What it would do: Amends Virginia workers' compensation law to allow employees to sue employers for damages if injury or death is caused by the employer's gross negligence or willful misconduct, with such actions brought within two years, and establishes res judicata provisions between court and Commission findings.
Showing the 25 furthest along of 94. Subscribers see all of them, filtered and searchable. Bill titles link to the Virginia 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 Virginia have an insurance law?
Yes. Virginia enacted 64 insurance laws in the 2025 and 2026 sessions, among them HB 1214, HB 1400 and HB 327. Each is listed on this page with what it requires.
When do Virginia's insurance laws take effect?
HB 1214 on 1 July 2026, HB 1400 on 1 July 2026, HB 327 on 1 July 2026, HB 426 on 1 July 2026 and HB 677 on 1 January 2027. The others have no single date in their text.
Which insurance bills are moving in Virginia?
36 bills not yet law have passed a committee or a chamber, the furthest along HB 1450 (vetoed), HB 484 (vetoed) and SB 2 (vetoed).
What does Virginia legislate on most in insurance?
Health coverage and plan regulation (100 bills), Workers' compensation, surety and specialty lines (29 bills) and Licensing, solvency and market conduct (20 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 Virginia
- AI in Virginia63
- Alcohol in Virginia33
- Cannabis in Virginia38
- Children's Online Safety in Virginia19
- Cybersecurity in Virginia6
- Data center and energy in Virginia83
- Data Privacy in Virginia60
- Employment in Virginia144
- Healthcare in Virginia231
- Intellectual Property in Virginia13
- Packaging and PFAS in Virginia13
- Payments and fintech in Virginia12
- Rental housing in Virginia72
- Tobacco and nicotine in Virginia18
- Transportation in Virginia18
- 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
- Montana155
- Oklahoma152
- Pennsylvania152
- California146
- Michigan137
- Iowa127
- Georgia112
- Kentucky109
- Tennessee99
- Indiana93
- Arizona91
- South Carolina86
- North Carolina80
- Minnesota78
- Oregon74
- Ohio70
- Utah70
- Arkansas68
- Washington67
- Kansas66
- Maine66
- New Hampshire63
- Nebraska60
- New Mexico59
- Colorado56
- Nevada54
- Congress48
- Wisconsin48
- Idaho47
- Alaska38
- Alabama32
- Delaware30
- North Dakota29
- Vermont29
- South Dakota21
- District of Columbia8
- Puerto Rico6
- Wyoming4
Know when Virginia's insurance law changes
An alert when a bill moves, and one report a month on what changed in every state and Congress.