An Act to renumber and amend 146.905 (1); to amend 146.905 (2); to create 146.905 (1g) and 146.905 (3) of the statutes; Relating to: allowing discounts for prompt payment of health care fees.
Sponsored By: Rachael Cabral-Guevara (Republican), Dan Feyen (Republican), Howard Marklein (Republican), Mark Spreitzer (Democratic), Rob Stafsholt (Republican)
Became Law
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Bill Overview
Analyzed Economic Effects
3 provisions identified: 1 benefits, 1 costs, 1 mixed.
No waivers of deductibles or coinsurance
Health care providers cannot reduce, forgive, or offer to forgive the deductible or coinsurance your plan requires. In Wisconsin law, private health insurance is called a “disability insurance policy.” You must pay your plan’s required share, except for the law’s separate undue-hardship exception.
Prompt-pay discounts up to 15%
Providers may offer a prompt‑pay discount up to 15% of the fee when you pay quickly. They must offer it regardless of your insurer or reason for care and post the discount policy on their website. The discount must reflect avoided collection costs and cannot be shifted to other patients or payers. Providers cannot publicly advertise it, include it in payer price deals (unless allowed), or offer it outside normal steps like scheduling/registration, paying cost‑sharing, after a statement is sent, or during financial arrangements. Discounts are optional and must not conflict with federal law or a provider’s contract with your insurer.
Hardship relief for deductibles and coinsurance
If paying the full fee would cause you undue financial hardship, your provider may reduce or forgive your deductible or coinsurance. This applies when you are covered by a “disability insurance policy” (private health insurance in Wisconsin law). Your insurance contract stays the same; this is case-by-case relief.
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Sponsors & Cosponsors
Sponsors
Rachael Cabral-Guevara
Republican • Senate
Dan Feyen
Republican • Senate
Howard Marklein
Republican • Senate
Mark Spreitzer
Democratic • Senate
Rob Stafsholt
Republican • Senate
Cosponsors
Elijah Behnke
Republican • House
Calvin Callahan
Republican • House
Daniel Knodl
Republican • House
Rob Kreibich
Republican • House
Tony Kurtz
Republican • House
Clint Moses
Republican • House
David Murphy
Republican • House
Jeffrey Mursau
Republican • House
Amanda Nedweski
Republican • House
Todd Novak
Republican • House
Jerry O'Connor
Republican • House
Melissa Ratcliff
Democratic • Senate
Lisa Subeck
Democratic • House
Rob Swearingen
Republican • House
Nancy VanderMeer
Republican • House
Shannon Zimmerman
Republican • House
Roll Call Votes
No roll call votes available for this bill.
Actions Timeline
Published 4-3-2026
4/6/2026SenateReport approved by the Governor on 4-2-2026. 2025 Wisconsin Act 147
4/6/2026SenatePresented to the Governor on 4-2-2026
4/2/2026SenateRepresentative Subeck added as a cosponsor
2/26/2026SenateReport correctly enrolled
2/25/2026SenateLRB correction
2/25/2026SenateReceived from Assembly concurred in
2/23/2026SenateOrdered immediately messaged
2/19/2026HouseRead a third time and concurred in
2/19/2026HouseRules suspended
2/19/2026HouseOrdered to a third reading
2/19/2026HouseRead a second time
2/19/2026HouseMade a special order of business at 11:33 AM on 2-19-2026 pursuant to Assembly Resolution 14
2/18/2026HouseReferred to committee on Rules
2/18/2026HouseReceived from Senate
2/12/2026HouseOrdered immediately messaged
2/11/2026SenateRead a third time and passed
2/11/2026SenateRules suspended to give bill its third reading
2/11/2026SenateOrdered to a third reading
2/11/2026SenateRead a second time
2/11/2026SenateSenator Ratcliff added as a coauthor
2/11/2026SenatePlaced on calendar 2-11-2026 pursuant to Senate Rule 18(1)
2/9/2026SenateAvailable for scheduling
2/3/2026SenateReport passage recommended by Committee on Health, Ayes 5, Noes 0
2/3/2026SenateExecutive action taken
2/3/2026Senate
Bill Text
Bill Text
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