KLS Keeping Law Simple Legislation in plain English

Straight-ahead summaries built from the official bill text. We keep the source links front and center and leave the decision up to you.

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SB220 • 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.

Healthcare
Passed Legislature

This bill passed both chambers and reached final enrollment, even if later executive action is not shown here.

Sponsor
Senator Ed Charbonneau
Last action
2026-01-29
Official status
Engrossed Senate Bill (H)
Effective date
Not listed

Plain English Breakdown

The exact nature of the information available through the interactive member portal is unclear.

Health Care Shopping Program

This bill requires Indiana's health insurance companies to start programs that help people find cheaper healthcare options and gives rewards to those who choose less expensive providers.

What This Bill Does

  • Requires health insurance companies to create a program starting January 1, 2028, to provide incentives for individuals choosing network doctors or hospitals that charge less than the average price for similar services.
  • Starting December 1, 2027, health insurance companies need to have an interactive website where members can ask for and get information about their coverage options.
  • Insurance companies are allowed to provide this information by phone too.
  • The bill sets rules for reporting how much money is given as incentives.

Who It Names or Affects

  • Health insurance companies in Indiana
  • People with health insurance plans

Terms To Know

health carrier
A company that provides health insurance to people or groups.
network provider
A doctor, hospital, or other healthcare service provider who has an agreement with a health insurance company to offer services at set prices.

Limits and Unknowns

  • The bill does not specify the amount of incentives.
  • It is unclear what specific information people can get from the interactive member portal.
  • There are no details on how the department of insurance will use the reporting requirements.

Amendments

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

SB0220.02.COMS.AMS001

Filed Senate Bill (S) • Senator Ed Charbonneau

Failed

Plain English: This amendment aims to modify the Indiana Code regarding insurance, but does not provide specific details on what changes it intends to make.

  • The exact nature of the change is unclear from the provided text.
  • The official amendment text does not specify the concrete changes or updates to the Indiana Code concerning insurance.
SB0220.02.COMS.AMS002

Filed Senate Bill (S) • Senator Ed Charbonneau

Passed

Plain English: This amendment changes the Indiana Code to allow insurance companies to offer certain discounts for drivers who have completed a defensive driving course.

  • Insurance companies can now provide discounts on car insurance premiums for drivers who complete a defensive driving course.
  • The specific details of how these discounts will be implemented and the extent of the discounts are not provided in the amendment text.

Bill History

  1. 2026-01-29 House

    First reading: referred to Committee on Insurance

  2. 2026-01-28 Senate

    Representative Jeter removed as sponsor

  3. 2026-01-28 Senate

    Representative DeLaney removed as cosponsor

  4. 2026-01-28 Senate

    Referred to the House

  5. 2026-01-27 Senate

    Third reading: passed; Roll Call 109: yeas 42, nays 2

  6. 2026-01-27 Senate

    House sponsor: Representative Jeter

  7. 2026-01-27 Senate

    House sponsor: Representative McGuire

  8. 2026-01-27 Senate

    Cosponsor: Representative DeLaney

  9. 2026-01-26 Senate

    Second reading: amended, ordered engrossed

  10. 2026-01-26 Senate

    Amendment #2 (Charbonneau) prevailed; voice vote

  11. 2026-01-26 Senate

    Senator Bohacek added as second author

  12. 2026-01-22 Senate

    Committee report: do pass, adopted

  13. 2026-01-08 Senate

    Authored by Senator Charbonneau

  14. 2026-01-08 Senate

    First reading: referred to Committee on Health and Provider Services

Official Summary Text

A BILL FOR AN ACT to amend the Indiana Code concerning insurance.
Health care shopping and decision support program.

Current Bill Text

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

Health care shopping and decision support program.

Requires, beginning January 1, 2028, a health carrier to: (1) implement a shopping and decision support program; and (2) provide incentives for covered individuals in a health plan who elect to receive a comparable health care service from a network provider that is paid less than the average allowed amount paid by the health carrier to network providers for the comparable health care service. Requires, beginning December 1, 2027, a health carrier to make available an interactive member portal that enables a covered individual to request and obtain certain information. Allows a health carrier to make the information available through a toll free telephone number. Sets forth reporting requirements for health carriers and the department of insurance concerning incentive payments made to covered individuals.