# Hawaii SB 1224: RELATING TO INSURANCE.

Hawaii SB 1224, RELATING TO INSURANCE., is a 2025–2026 Regular Session (Year 1) Senate bill sponsored by Karl Rhoads (Democratic); status in committee, last action 2025-01-27 (Referred to CPN/HHS, WAM/JDC.) (as of 2026-10-17).

- Canonical: https://policyrisk.com/state-bill/HI-SB1224-2025
- As of: 2026-10-17
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: Hawaii SB 1224
- State: Hawaii
- Session: 2025–2026 Regular Session (Year 1)
- Title: RELATING TO INSURANCE.
- Status: in committee
- Chamber: Senate
- Introduced: 2025-01-21
- Last action: 2025-01-27, Referred to CPN/HHS, WAM/JDC.
- Sponsor: Karl Rhoads (Democratic)
- Cosponsors: 1
- Subjects: Gender Affirming Treatment Act, Insurance, Nondiscrimination, Transgender, Gender Affirming Care Services, CPN/HHS, WAM/JDC
- Touches household money: no
- Economic provisions PRIA read: 0

## Summary

Prohibits health insurers, mutual benefit societies, and health maintenance organizations from arbitrarily denying coverage requests for gender affirming health care services when the requested service is known to be considered a standard of care and for which scientific evidence exists that supports the service. Increases transparency of insurance carrier medical necessity reviews and requirements when coverage is denied.

## Bill overview

No economic impacts identified for this bill.

## Sponsors and cosponsors

- Sponsor: Karl Rhoads (Democratic), Senate
- Cosponsor: Stanley Chang (Democratic), Senate

## Actions (3)

- 2025-01-27: Referred to CPN/HHS, WAM/JDC. (Senate)
- 2025-01-23: Introduced and passed First Reading. (Senate)
- 2025-01-21: Pending Introduction. (Senate)

## Bill text

- Original: [HTML](https://data.capitol.hawaii.gov/sessions/session2025/bills/SB1224_.HTM), [PDF](https://data.capitol.hawaii.gov/sessions/session2025/bills/SB1224_.pdf)

## Related bills

- SB 572: RELATING TO HOUSING. (signed)
- HB 431: RELATING TO HOUSING. (signed)
- HB 420: RELATING TO REMEDIES. (signed)
- SB 1296: RELATING TO DISASTER RECOVERY. (signed)
- HB 830: RELATING TO HISTORIC PRESERVATION REVIEWS. (signed)
- HB 1064: RELATING TO FIRE PROTECTION. (signed)

## Sources
- [Original (HTML)](https://data.capitol.hawaii.gov/sessions/session2025/bills/SB1224_.HTM)
- [Original (PDF)](https://data.capitol.hawaii.gov/sessions/session2025/bills/SB1224_.pdf)

## Related
- [SB 572: RELATING TO HOUSING.](https://policyrisk.com/state-bill/HI-SB572-2025)
- [HB 431: RELATING TO HOUSING.](https://policyrisk.com/state-bill/HI-HB431-2025)
- [HB 420: RELATING TO REMEDIES.](https://policyrisk.com/state-bill/HI-HB420-2025)
- [SB 1296: RELATING TO DISASTER RECOVERY.](https://policyrisk.com/state-bill/HI-SB1296-2025)
- [HB 830: RELATING TO HISTORIC PRESERVATION REVIEWS.](https://policyrisk.com/state-bill/HI-HB830-2025)
- [HB 1064: RELATING TO FIRE PROTECTION.](https://policyrisk.com/state-bill/HI-HB1064-2025)
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- [Hawaii state hub](https://policyrisk.com/states/hawaii)
- [All state legislation](https://policyrisk.com/state-bills)

Source: PRIA, https://policyrisk.com/state-bill/HI-SB1224-2025 (as of 2026-10-17).