New Insurance laws 2027: state insurance laws taking effect in 2027

• 1 January 2027

  Alaska SB 133: An Act relating to prior authorization requests for medical care covered by a health care insurer; relating to a prior authorization application programming interface; relating to step therapy; and providing for an effective date.

  Requires health care insurers to establish reasonable prior authorization processes for medical care and prescription drugs, respond to requests within specified timeframes, and make authorization standards publicly available.

• 1 January 2027

  California AB 1126: Medi-Cal managed care plans: enrollees with other health care coverage.

  Requires the State Department of Health Care Services to ensure that providers billing Medi-Cal managed care plans for dual-covered enrollees face no excessive administrative requirements compared to fee-for-service billing.

• 1 January 2027

  California AB 1278: Mortgages: hazard insurance proceeds: interest.

  Requires financial institutions holding hazard insurance proceeds in loss draft accounts for one- to four-family residences to credit or pay borrowers at least 2% annual simple interest, with uncashed checks canceled after 90 days.

• 1 January 2027

  California AB 1683: Workers' compensation: prepaid cards.

  Extends indefinitely the authorization for employers to deposit workers' compensation disability indemnity payments into prepaid card accounts that meet specified requirements and disclosure standards.

• 1 January 2027

  California AB 1781: Federal Home Loan Banks.

  Prohibits Federal Home Loan Banks from being stayed or enjoined from enforcing rights against collateral pledged by insurer-members, and prevents insurance receivers from voiding related transfers unless made with intent to defraud creditors.

• 1 January 2027

  California AB 1798: Genetic testing for life and disability insurance.

  Life and disability insurers cannot cancel, limit, deny, or base underwriting decisions on genetic information or test results, except under specified criteria.

• 1 January 2027

  California AB 1931: Insurance: home protection companies.

  Requires home protection contract limited lines agents to obtain Department of Insurance licenses and authorizes utilities to collect home protection contract fees through utility bills beginning 1 July 2027.

  Some duties start later: the text names an operative date.

• 1 January 2027

  California AB 2038: Residential property insurance: cancellations and nonrenewals.

  Requires insurers to renew residential property insurance policies for at least 36 months after a total loss from disaster and prohibits cancellations or nonrenewals for two years after wildfire emergencies.

• 1 January 2027

  California AB 2054: Family temporary disability insurance program: covered active duty.

  Expands the family temporary disability insurance program to include workers taking leave for training, non-foreign deployments, and state active duty of military family members.

• 1 January 2027

  California AB 2227: Farm labor contractors: surety bonds.

  Requires farm labor contractors to deposit higher surety bonds with the Labor Commissioner based on annual gross receipts: $50,000 for up to $500,000, $100,000 for $500,000 to $2,000,000, and $150,000 for over $2,000,000.

• 1 January 2027

  California AB 2361: Insurance: personal vehicle sharing.

  Requires personal vehicle sharing programs to assume liability for bodily injury or property damage to third parties in amounts of at least $250,000 per person and $500,000 total for injuries, and $100,000 for property damage.

• 1 January 2027

  California AB 2499: Health care coverage: claims payments.

  Requires health care service plans and insurers to accept electronic medical records and supporting documentation through standard electronic submission methods and prohibits them from denying or delaying claims solely because their systems cannot accept otherwise compliant documentation.

• 1 January 2027

  California AB 2724: Insurance: distressed areas.

  Requires the Insurance Department to review and update distressed areas yearly beginning July 2027, hold public meetings for input, and publish lists of affected ZIP Codes by January 2028 and annually thereafter.

• 1 January 2027

  California AB 69: FAIR Plan policy notices and renewals.

  Requires the FAIR Plan Association to share policyholder information with participating insurers, provide annual coverage option notices to policyholders, and require insurers to report quarterly on policies issued to FAIR Plan policyholders.

• 1 January 2027

  California SB 1023: Health care coverage: antiretroviral drugs, drug devices, and drug products.

  Requires health care service plans and health insurers to cover antiretroviral drugs, devices, and products for HIV prevention without prior authorization or step therapy, and mandates coverage under both medical and prescription drug benefits starting 1 January 2027.

• 1 January 2027

  California SB 1206: Insurance: omnibus.

  Requires the Insurance Commissioner to inactivate licenses of insurers and agents dissolved, forfeited, terminated, canceled, or surrendered by the Secretary of State.

• 1 January 2027

  California SB 1209: Insurance: examination of insurers.

  Requires examined insurance companies to take corrective actions to remediate violations identified in examination reports and subjects companies to penalties up to twenty thousand dollars for failing to comply.

• 1 January 2027

  California SB 1301: Residential property insurance: nonrenewals.

  Beginning 1 January 2028, insurers must give policyholders at least 90 days' notice before not renewing residential property insurance and must explain the grounds in plain language.

  Some duties start later: the text names an operative date.

• 1 January 2027

  California SB 354: Insurance Information and Privacy Protection Act.

  Requires insurance licensees, surplus line insurers, reinsurers, and third-party service providers to provide privacy notices, obtain consumer consent, and allow consumers to access or delete personal information starting 1 July 2028.

  Some duties start later: the text names an operative date.

• 1 January 2027

  California SB 876: Fire and residential property insurance.

  Some duties start later: the text names an operative date.

• 1 January 2027

  California SB 988: California Motor Vehicle Glass Act.

  Requires motor vehicle glass repair shops to notify customers about advanced driver assistance systems, obtain claim numbers before contracting with insurers, provide good faith estimates, and prohibits offering rebates or incentives for insurance claims.

• 1 January 2027

  Georgia HB 1138: Increasing Access to Contraceptives Act; enact

  Pharmacists may dispense self-administered hormonal contraceptives or administer injectable hormonal contraceptives, and insurers must cover minimum amounts of certain contraceptives.

• 1 January 2027

  Georgia HB 1344: Georgia Insurance Affordability and Claims Integrity Act; enact

  Requires insurers and licensed insurance agents to report suspected insurance fraud to the state Insurance Commissioner, and authorizes the Commissioner to investigate and prosecute insurance fraud using funds from insurers' annual assessments.

• 1 January 2027

  Georgia SB 444: Private Review Agents; certain decisions with regard to the provision of insurance coverage for healthcare services shall not be based solely on artificial intelligence systems; provide

  Requires private review agents and utilization review entities to have a human clinical peer conduct reviews before issuing adverse coverage determinations, prohibiting artificial intelligence systems from making those decisions alone.

• 1 January 2027

  Kentucky HB 164: AN ACT relating to coverage for hearing aids and related services.

  Requires health insurers to cover up to $2,500 for hearing aids and related services every 36 months for insured individuals under 18 years old, and establishes network adequacy requirements for audiologists and hearing instrument specialists starting 1 January 2027.

• 1 January 2027

  Kentucky SB 158: AN ACT relating to products that offer benefits in connection with personal property.

  Requires retail sellers and creditors offering vehicle financial protection products to comply with regulatory requirements, prohibits conditioning credit on purchasing such products, and exempts these products from insurance regulation starting 1 January 2027.

• 1 January 2027

  Kentucky SB 97: AN ACT relating to coverage for prostheses and orthoses.

  Requires health benefit plans to provide coverage for prostheses and orthoses with minimum standards established on 1 January 2027.

• 1 January 2027

  Louisiana HB 413: INSURANCE: Prohibits an insurer from utilizing a rating factor in an automobile insurance rate filing

  Prohibits insurers from using rating factors based solely on catastrophe or natural disaster losses from other insurance lines when filing automobile insurance rates, effective 1 January 2027.

• 1 January 2027

  Maryland HB 393: Health Insurance - Scalp Cooling Systems - Required Coverage

  Requires insurers, nonprofit health service plans, and health maintenance organizations that cover chemotherapy for cancer to also cover scalp cooling systems starting 1 January 2027.

• 1 January 2027

  Maryland SB 276: Maryland Medical Assistance Program and Health Insurance - Coverage for Orthoses and Prostheses (So Every Body Can Move Act)

  Beginning 1 January 2027, the Maryland Medical Assistance Program and insurers must cover orthoses, their components, repairs, and replacements when medically necessary.

• 1 January 2027

  Maryland SB 794: Health Insurance - Special Enrollment Period for Pregnancy - Coverage Effective Date

  Lets individuals who enroll during pregnancy's special enrollment period choose when their health insurance coverage becomes effective, with carriers selecting a default date if the individual does not.

• 1 January 2027

  New York A 1195: Relates to mandatory health insurance coverage for follow-up screening or diagnostic services for lung cancer

  Requires health insurers to cover follow-up lung cancer screening or diagnostic services recommended by healthcare providers at no cost to patients starting 1 January 2027.

• 1 January 2027

  New York A 128: Requires insurance coverage for inhalers at no cost

  Requires insurers to cover one rescue and one maintenance asthma inhaler at no cost starting 1 January 2027.

• 1 January 2027

  Rhode Island HB 8579: AN ACT RELATING TO INSURANCE -- PHARMACY BENEFIT MANAGERS ACT

  Requires pharmacy benefit managers to obtain a certificate of authority from the health insurance commissioner to operate in Rhode Island and subjects violators to penalties and restitution.

• 1 January 2027

  Rhode Island HB 8582: AN ACT RELATING TO INSURANCE -- PHARMACY FREEDOM OF CHOICE--FAIR COMPETITION AND PRACTICES

  Requires pharmacy benefit managers to register as third-party administrators, prohibit certain drug substitutions without prescriber approval, allow pharmacists to disclose pricing information, and establish dispute resolution processes for generic drug pricing.

• 1 January 2027

  Tennessee HB 1956: Insurance 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.

  Prohibits health benefit plans from requiring step therapy protocols before covering approved prescription drugs for enrollees diagnosed with any cancer, effective 1 January 2027.

• 1 January 2027

  Utah HB 468: Mobile Mammography Amendments

  Requires health benefit plans to cover mammography screenings performed by approved mobile units in rural areas at the same reimbursement rate as in-network screenings.

• 1 January 2027

  Utah SB 204: Physical Therapy Payment Amendments

  Requires health insurers to apply the same cost sharing for physical therapy services as they use for primary care provider visits.

• 1 January 2027

  Utah SB 319: Health Insurance Preauthorization Amendments

  Requires insurers to post preauthorization requirements and statistics on their websites, disclose use of artificial intelligence in authorization reviews, and establish maximum timeframes and validity periods for authorizations.

• 1 January 2027

  Virginia HB 2099: Health insurance; required provisions regarding prior authorization for health care services.

• 1 January 2027

  Virginia SB 1215: Health insurance; required provisions regarding prior authorization for health care services.

  Requires health insurance carriers to include specific provisions in contracts with prescribers regarding prior authorization for drug benefits, including timeframes for approvals, denial reasons, and protections for approved authorizations.

• 1 January 2027

  Washington HB 2428: Preventing unintentional lapses and cancellations of life insurance policies.

  Insurers must send written notice at least 30 days before life insurance policy lapse due to nonpayment, to the policyholder and a designated third party.

• 1 April 2027

  Rhode Island HB 7520: AN ACT RELATING TO INSURANCE -- LIABILITY INSURANCE -- UNINSURED MOTORIST COVERAGE

  Requires insurers to offer underinsured motorist property damage coverage for private passenger automobiles, effective 1 April 2027.

• 5 May 2027

  Utah HB 336: Recovery Operations Amendments

  Requires motor carriers to obtain motor vehicle liability insurance policies that include coverage for recovery operations, and requires insurers to pay recovery operators within 60 days or submit to binding arbitration.

Next year's insurance laws are bills now. Follow them in every state with the Insurance Tracker.