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SF0041 • 2026

Portable benefit accounts.

AN ACT relating to labor and employment; authorizing the creation and use of portable benefit accounts; specifying requirements and conditions for portable benefit accounts; providing definitions; requiring rulemaking; and providing for effective dates.

Enacted

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

Sponsor
Senator Olsen
Last action
2026-03-06
Official status
enrolled
Effective date
7/1/2026

Plain English Breakdown

Checked against official source text during the last sync.

Portable Benefit Accounts for Independent Contractors

This law allows independent contractors to open portable benefit accounts where they can save money for insurance and retirement benefits, with rules set by financial institutions or other approved providers.

What This Bill Does

  • Allows independent contractors to create portable benefit accounts to save money for health, vision, dental, life insurance, and retirement benefits.
  • Requires contributions to these accounts not be used to decide if someone is an employee or contractor.
  • Permits hiring parties to contribute funds to the account with written agreement from the independent contractor.
  • Gives the Department of Workforce Services authority to make rules for implementing this law.

Who It Names or Affects

  • Independent contractors who can open portable benefit accounts.
  • Financial institutions and investment management firms that administer these accounts.
  • Hiring parties who may contribute funds to independent contractor accounts with written agreement.

Terms To Know

Portable Benefit Account
An account opened by an independent contractor for saving money towards insurance and retirement benefits.
Hiring Party
A person or company that hires an independent contractor.

Limits and Unknowns

  • The rules for portable benefit accounts will be set after the law is passed.
  • Some parts of the act take effect immediately, while others start on July 1, 2026.

Bill History

  1. 2026-03-06 LSO

    Assigned Chapter Number 63

  2. 2026-03-06 Governor

    Governor Signed SEA No. 0030

  3. 2026-03-03 House

    H Speaker Signed SEA No. 0030

  4. 2026-03-02 Senate

    S President Signed SEA No. 0030

  5. 2026-03-02 LSO

    Assigned Number SEA No. 0030

  6. 2026-03-02 Senate

    S Concur:Passed 31-0-0-0-0

  7. 2026-02-26 Senate

    S Received for Concurrence

  8. 2026-02-26 House

    H 3rd Reading:Passed 60-0-2-0-0

  9. 2026-02-25 House

    H 2nd Reading:Passed

  10. 2026-02-24 House

    H COW:Passed

  11. 2026-02-23 House

    H Placed on General File

  12. 2026-02-23 House

    H07 - Corporations:Recommend Amend and Do Pass 7-0-2-0-0

  13. 2026-02-20 House

    H Introduced and Referred to H07 - Corporations

  14. 2026-02-19 House

    H Received for Introduction

  15. 2026-02-19 Senate

    S 3rd Reading:Passed 30-1-0-0-0

  16. 2026-02-18 Senate

    S 2nd Reading:Passed

  17. 2026-02-17 Senate

    S COW:Passed

  18. 2026-02-16 Senate

    S Placed on General File

  19. 2026-02-16 Senate

    S10 - Labor:Recommend Amend and Do Pass 5-0-0-0-0

  20. 2026-02-10 Senate

    S Introduced and Referred to S10 - Labor 29-1-1-0-0

  21. 2026-01-14 Senate

    S Received for Introduction

  22. 2026-01-13 LSO

    Bill Number Assigned

Official Summary Text

Bill Summary - 26LSO-0329

Bill No.:

SF0041

Effective:

Multiple Dates

LSO No.:

26LSO-0329

Enrolled Act No.:

SEA No. 0030

Chapter No.:

63

Prime Sponsor:

Olsen

Catch Title:

Portable benefit accounts.

Has Report:

No

Subject:

Authorizing the use of portable benefit accounts by independent contractors.

Summary/Major Elements:

Portable benefit accounts are accounts that independent contractors may open to receive funds for purchasing insurance and funding retirement benefits on the independent contractor's behalf.

This act authorizes the use of portable benefit accounts by independent contractors. Portable benefit accounts are administered by portable benefit account providers, which the act defines as financial institutions, investment management firms and any other person that demonstrates to the State Banking Commissioner's satisfaction that the person will administer the account in accordance with law.

The act specifies that any person, including independent contractors, may voluntarily contribute funds to a portable benefit account for or on behalf of an independent contractor. Any contribution to a portable benefit account is not a determining factor in considering whether a person is an employee or an independent contractor.

The act provides that contributions to portable benefit accounts may be made using the funds of a hiring party or withheld from funds owed to an independent contractor under specified conditions, including a written agreement for the withdrawal or withholding of funds that is clear and unambiguous.

The act requires the Department of Workforce Services to promulgate rules to implement this act.

Comments:

This act has a split effective date. Provisions concerning rulemaking are effective immediately, while the substantive portion of the act is effective on July 1, 2026.

The above summary is not an official publication of the Wyoming Legislature and is not an official statement of legislative intent.

While the Legislative Service Office endeavored to provide accurate information in this summary, it should not be relied upon as a comprehensive abstract of the bill.

Current Bill Text

Read the full stored bill text
26LSO-0329

ORIGINAL Senate

ENGROSSED
File No
.
SF0041

ENROLLED ACT NO. 30,

SENATE

SIXTY-EIGHTH LEGISLATURE OF THE STATE OF WYOMING
2026 Budget Session

AN ACT relating to labor and employment; authorizing the creation and use of portable benefit accounts; specifying requirements and conditions for portable benefit accounts; providing definitions; requiring rulemaking; and providing for effective dates.

Be It Enacted by the Legislature of the State of Wyoming:

Section 1
.

W.S. 27
‑
1
‑
117 is created to read:

27
‑
1
‑
117.

Portable benefit accounts.

(a)

As used in this section:

(i)

"Financial institution" means any bank, savings and loan association or credit union chartered under the laws of Wyoming, the laws of the United States or the laws of another territory or state of the United States that is insured by the federal deposit insurance corporation or the national credit union administration. "Financial institution" shall include any special purpose depository institution as defined by W.S. 13
‑
1
‑
101(a)(xvi);

(ii)

"Hiring party" means a person that hires or enters into a contract with an independent contractor;

(iii)

"Independent contractor" means as defined by W.S. 27
‑
14
‑
102(a)(xxiii);

(iv)

"Portable benefit account" means an account opened by an independent contractor that is:

(A)

Administered by a portable benefit account provider; and

(B)

Assigned to a beneficiary of one (1) or more benefit plans for the purpose of funding the purchase of one (1) or more benefit plans, including but not limited to plans that provide health benefits, income replacement insurance, vision and dental insurance, life insurance or retirement benefits.

(v)

"Portable benefit account provider" means the administrator of a portable benefit account and shall include:

(A)

A financial institution;

(B)

An investment management firm;

(C)

A technology provider or program manager that offers services through a financial institution or investment management firm;

(D)

Any other person that demonstrates to the satisfaction of the state banking commissioner that the manner in which the person will administer the portable benefit account is consistent with the requirements of this section.

(b)

Any person, including but not limited to an independent contractor, internet
‑
based company and application
‑
based company, may voluntarily contribute funds to a portable benefit account for or on behalf of an independent contractor.

(c)

Any contribution to a portable benefit account made under this section shall not be used as a criterion or factor for determining a person's employment classification, including a classification or determination under W.S. 27
‑
3
‑
104 or 27
‑
14
‑
102(a)(xxiii).

(d)

A contribution to a portable benefit account under this section may be made using the funds of the hiring party or as a percentage of funds withheld from compensation owed to an independent contractor if all of the following are met:

(i)

The withholding of compensation, if applicable, is expressly agreed to by the independent contractor in writing;

(ii)

The written agreement for withholding funds or contributing employer funds is clear, unambiguous and prominently displayed in a work contract or separate agreement;

(iii)

The withholdings are made only after an independent contractor opts in to the withholdings;

(iv)

The independent contractor is authorized to opt out of the agreement at any time;

(v)

A hiring party is authorized to opt out of the agreement with at least sixty (60) days of notice to the independent contractor.

Section 2.

The department of workforce services shall promulgate all rules necessary to implement this act.

Section 3
.

(a)

Except as provided in subsection (b) of this section, this act is effective immediately upon completion of all acts necessary for a bill to become law as provided by Article 4, Section 8 of the Wyoming Constitution.

(b)

Section 1 of this act is effective July 1, 2026
.

(END)

Speaker of the House

President of the Senate

Governor

TIME APPROVED: _________

DATE APPROVED: _________

I hereby certify that this act originated in the Senate.

Chief Clerk

1