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HB1260 • 2026

A BILL FOR AN ACT to amend the Indiana Code concerning insurance.

A BILL FOR AN ACT to amend the Indiana Code concerning insurance.

Agriculture Healthcare
Enacted

This bill passed the Legislature and reached final enactment based on the latest official action.

Sponsor
Representative Matt Lehman
Last action
2026-03-04
Official status
Enrolled House Bill (H)
Effective date
Not listed

Plain English Breakdown

The official source does not specify that health maintenance organizations are affected, so this claim was removed.

Indiana Insurance Law Changes

This law changes Indiana's insurance rules, including how insurers handle nonrenewals and fraud reporting.

What This Bill Does

  • Requires people or companies to report information about insurance fraud to the state department of insurance or a national bureau.
  • Sets fees for providing unrestricted data from an all payer claims database.
  • Changes rules on notice of material changes in insurance policies and property and casualty insurance laws.
  • Allows the insurance commissioner to waive merger requirements during emergencies for farm mutual insurance companies.
  • Requires insurers to provide 30 days' notice before nonrenewing auto insurance policies and 60 days' notice for residential policies.

Who It Names or Affects

  • Insurance companies
  • People who own or manage condominiums

Terms To Know

All Payer Claims Data Base
A system that collects health care claims data from multiple payers.
Unrestricted Data
Data that can be shared without restrictions with certain entities.

Limits and Unknowns

  • The bill does not specify the exact actions insurers must take when using aerial images for coverage determinations.
  • It is unclear how the new fee schedule will affect data access by different entities from the all payer claims database.

Amendments

These notes stay tied to the official amendment files and metadata from the legislature.

HB1260.02.COMH.AMS10

Committee House Bill (S) • Senator Scott Baldwin

Filed

Plain English: This amendment changes the definition of 'named insured' in Indiana's insurance laws.

  • Adds a new definition for 'named insured' under Indiana's insurance code.
  • The exact details and implications of this new definition are not provided, making it hard to explain further changes or impacts.
HB1260.02.COMH.AMS12

Committee House Bill (S) • Senator Scott Baldwin

Filed

Plain English: This amendment changes various parts of Indiana's insurance laws.

  • Modifies rules related to insurance in Indiana.
  • The official text does not provide specific details about what exactly is being changed, making it hard to explain the concrete changes.
  • More information would be needed to understand the exact impact of this amendment.
HB1260.03.COMS.AMS13

Committee House Bill (S) • Senator Ryan Mishler

Filed

Plain English: The amendment proposes to change the fee schedule for insurance in Indiana.

  • Modifies the existing fee structure for insurance-related services or products in Indiana.
  • The specific details of how fees will be changed are not provided, making it unclear exactly which fees are being adjusted and by how much.
HB1260.01.INTR.AMH01

Committee Introduced House Bill (H) • Representative Martin Carbaugh

Filed

Plain English: This amendment adds a new section to the Indiana Code related to insurance, focusing on defining and regulating in-network healthcare providers.

  • Adds definitions for terms related to in-network healthcare providers.
  • Establishes requirements for health insurers to maintain accurate lists of in-network providers.
  • Sets standards for communication between health insurers and providers regarding network status.
  • The provided amendment text is incomplete, making it difficult to fully understand all the specific changes intended.
HB1260.01.INTR.AMH03

Committee Introduced House Bill (H) • Representative Wendy Dant Chesser

Filed

Plain English: The amendment changes the Indiana Code to remove a specific requirement related to Medicare Supplement Insurance policies.

  • Removes a provision in the Indiana Code that requires Medicare Supplement Insurance policies to follow a 'birthday rule'.
  • The exact details of what the 'birthday rule' entails and how its removal will affect policyholders are not provided in the amendment text.
HB1260.01.INTR.AMH06

Committee Introduced House Bill (H) • Representative Matt Lehman

Filed

Plain English: This amendment changes the Indiana Code to add new requirements for insurance companies regarding certain types of policies.

  • Adds new rules for insurance companies about specific kinds of insurance policies.
  • The official text does not provide details on which specific types of policies or what exact new requirements are being added, making it hard to explain the full impact.
HB1260.01.INTR.AMH07

Committee Introduced House Bill (H) • Representative Martin Carbaugh

Filed

Plain English: This amendment would allow insurance producers in Indiana to have access to a list of healthcare providers.

  • Adds provisions allowing insurance producers to obtain a list of healthcare providers.
  • The exact details and requirements for obtaining the list are not specified in the provided text.
HB1260.01.INTR.AMH08

Committee Introduced House Bill (H) • Representative Martin Carbaugh

Filed

Plain English: The amendment adds a new section to the Indiana Code that requires Medicare Supplement Insurance policies to follow a 'birthday rule' for determining when coverage begins.

  • Adds a requirement for Medicare Supplement Insurance policies to start coverage on the policyholder's birthday month, if the policy is purchased before the age of 65.
  • The amendment does not specify all details about how the 'birthday rule' will be implemented or enforced.
  • It is unclear what happens if a person purchases a Medicare Supplement Insurance policy after turning 65.
HB1260.02.COMH.AMH001

Filed House Bill (S) • Representative Victoria Garcia Wilburn

Withdrawn

Plain English: This amendment is withdrawn and does not make any changes to the bill.

  • The amendment text provided is incomplete, so it's unclear what specific change was intended.
HB1260.04.COMS.AMS001

Filed House Bill (S) • Senator Scott Baldwin

Passed

Plain English: This amendment changes the Indiana Code to allow certain insurance companies more flexibility in how they manage their investments.

  • Allows insurance companies to have more freedom in managing their investment portfolios.
  • The official text does not provide specific details on what kind of flexibility is granted or the exact changes to the Indiana Code, making it hard to explain further specifics.

Bill History

  1. 2026-03-04 House

    Signed by the Governor

  2. 2026-03-04 House

    Public Law 86

  3. 2026-02-27 Senate

    Signed by the President Pro Tempore

  4. 2026-02-27 Senate

    Signed by the President of the Senate

  5. 2026-02-26 House

    House concurred with Senate amendments; Roll Call 392: yeas 78, nays 12

  6. 2026-02-26 House

    Signed by the Speaker

  7. 2026-02-25 House

    House conferees appointed: Lehman, Dvorak

  8. 2026-02-25 House

    House advisors appointed: Carbaugh, Mayfield, Campbell, Garcia Wilburn

  9. 2026-02-25 Senate

    Senate conferees appointed: Baldwin, Randolph Lonnie M

  10. 2026-02-25 Senate

    Senate advisors appointed: Walker K, Qaddoura

  11. 2026-02-25 House

    Motion to concur filed

  12. 2026-02-24 Senate

    Third reading: passed; Roll Call 245: yeas 48, nays 0

  13. 2026-02-24 Senate

    Returned to the House with amendments

  14. 2026-02-24 House

    House dissented from Senate amendments

  15. 2026-02-24 House

    Motion to dissent filed

  16. 2026-02-23 Senate

    Second reading: amended, ordered engrossed

  17. 2026-02-23 Senate

    Amendment #1 (Baldwin) prevailed; voice vote

  18. 2026-02-19 Senate

    Committee report: amend do pass, adopted

  19. 2026-02-12 Senate

    Committee report: amend do pass adopted; reassigned to Committee on Appropriations

  20. 2026-02-09 Senate

    Senator Randolph added as cosponsor

  21. 2026-02-02 Senate

    First reading: referred to Committee on Insurance and Financial Institutions

  22. 2026-01-29 House

    Referred to the Senate

  23. 2026-01-28 House

    Third reading: passed; Roll Call 130: yeas 92, nays 1

  24. 2026-01-28 House

    Senate sponsor: Senator Baldwin

  25. 2026-01-22 House

    Second reading: ordered engrossed

  26. 2026-01-22 House

    Amendment #1 (Garcia Wilburn) motion withdrawn

  27. 2026-01-20 House

    Committee report: amend do pass, adopted

  28. 2026-01-05 House

    Authored by Representative Lehman

  29. 2026-01-05 House

    Coauthored by Representative Carbaugh

  30. 2026-01-05 House

    First reading: referred to Committee on Insurance

Official Summary Text

A BILL FOR AN ACT to amend the Indiana Code concerning insurance.
Various insurance matters.

Current Bill Text

Read the full stored bill text
A BILL FOR AN ACT to amend the Indiana Code concerning insurance.

Various insurance matters.

Requires a person or entity to furnish information relating to a fraudulent insurance act to the department of insurance or the National Insurance Crime Bureau. Provides that a person or entity is not subject to civil or criminal liability for filing a report or furnishing other information concerning a fraudulent insurance act under certain circumstances. Sets forth a fee schedule for providing unrestricted data to certain entities from the all payer claims data base. Makes various changes to: (1) provisions relating to notice of material change; and (2) the property and casualty insurance and guaranty association law. Allows the insurance commissioner to waive the requirements for a merger or consolidation of a farm mutual insurance company with any other company if an emergency event occurs. Provides that a policy of insurance that provides coverage in excess of any liability relating to a self-insured retention amount shall be considered a commercial umbrella or excess liability policy under the uninsured and underinsured motorist coverage provision. Requires an insurer of automobile insurance policies to mail a notice of nonrenewal at least 30 days before the expiration of the policy. Requires an insurer of residential policies to: (1) mail a notice of nonrenewal at least 60 days before the expiration of the policy; and (2) take certain actions when the insurer utilizes aerial images as part of the insurer's coverage determinations. Allows co-owners of a condominium that meets certain conditions to obtain property and casualty insurance coverage for the condominium units by purchasing a master policy or by allowing each co-owner to purchase insurance on an individual basis. Requires an insurer and a health maintenance organization to provide an insurance producer with access to a complete list of providers who have entered into a reimbursement agreement with the insurer or health maintenance organization. Provides that the prohibition on denying, conditioning, or discriminating in the pricing of Medicare supplement policies for certain applicants applies to an applicant who submits an application during the period beginning one month before the applicant's birthday and ending one month after the applicant's birthday. Provides that the insurance commissioner has the authority to take certain actions relating to the creation, implementation, or operation of a health benefit exchange. Requires the department of insurance to annually report information to the budget committee regarding the fee schedule for providing unrestricted data that is being added in the bill.