Alaska2026Passed Legislature

HB5

Alaska HB5: Insurance Rules for Elected Officials

Last scannedSep 12, 2026, 4:46 AM

In one sentence

This bill stops insurance companies in Alaska from making certain decisions about coverage just because a person is an elected official.

Prohibits insurers from refusing to issue or renew policies based solely on someone being an elected official.
Stops insurers from limiting the scope of coverage, canceling existing policies, or denying claims for this reason.
Prevents insurers from raising premiums, fees, or rates just because a person holds public office.
Allows these actions if they are based on sound underwriting principles related to actual loss experience.
Applies only to insurance contracts issued, delivered, or renewed after the law takes effect.

Insurance companies doing business in Alaska
State legislators and members of Congress from Alaska
The governor and lieutenant governor
Local mayors, city council members, borough assembly members, school board members, and constitutional convention delegates

The law does not stop insurance decisions if they are required by other laws or regulations.
Insurers can still change coverage terms if the decision is tied to actual loss experience, not just job status.
The specific date this bill becomes effective has not been set in the provided text.

Plain language

Elected official: A person holding a public office such as legislator, mayor, governor, or school board member.
Underwriting principles: Rules insurers use to decide risk and set prices based on data about potential losses.

Official record

Validated

INSURANCE DISCRIMINATION ELECTED OFFICIAL An Act prohibiting certain insurance decisions based solely on a person's status as an elected official.

Official activity