# Indiana HB 1201: Various mental health and insurance matters.

Indiana HB 1201, Various mental health and insurance matters., is a Second Regular Session 124th General Assembly (2026) House bill sponsored by Elizabeth Rowray (Republican); status failed, last action 2026-01-22 (Representative Goss-Reaves added as coauthor) (as of 2026-11-01).

- Canonical: https://policyrisk.com/state-bill/IN-HB1201-2026
- As of: 2026-11-01
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: Indiana HB 1201
- State: Indiana
- Session: Second Regular Session 124th General Assembly (2026)
- Title: Various mental health and insurance matters.
- Status: failed
- Chamber: House
- Introduced: 2026-01-05
- Last action: 2026-01-22, Representative Goss-Reaves added as coauthor
- Sponsor: Elizabeth Rowray (Republican)
- Cosponsors: 3
- Subjects: insurance
- Touches household money: no
- Economic provisions PRIA read: 0

## Summary

Prohibits the use of an artificial intelligence system to impersonate or act as a substitute for a licensed mental health professional. Requires the department of insurance to contract with an objective third party to verify that health carriers are in compliance with network adequacy standards. Sets forth notice requirements for an amendment to a health provider contract. Prohibits the use of downcoding in a specified manner. Requires an insurer and a health maintenance organization to reimburse providers of mental illness or substance abuse services at rates that are at least as favorable relative to Medicare rates as reimbursement rates are for providers of medical or surgical services relative to Medicare rates. Prohibits an insurer and a health maintenance organization from retroactively auditing a paid claim or seeking recoupment or a refund of a paid claim after a certain time frame. Sets forth a limitation on the amount that an insured or enrollee may be charged for receiving mental and behavioral care services from an out of network provider under certain circumstances.

## Bill overview

No economic impacts identified for this bill.

## Sponsors and cosponsors

- Sponsor: Elizabeth Rowray (Republican), House
- Cosponsor: Becky Cash (Republican), House
- Cosponsor: Cindy Ledbetter (Republican), House
- Cosponsor: Lori Goss-Reaves (Republican), House

## Actions (5)

- 2026-01-22: Representative Goss-Reaves added as coauthor (House)
- 2026-01-14: Representative Ledbetter added as coauthor (House)
- 2026-01-13: Representative Cash added as coauthor (House)
- 2026-01-05: Authored by Representative Rowray (House)
- 2026-01-05: First reading: referred to Committee on Insurance (House)

## Bill text

- Introduced House Bill (H): [PDF](https://api.iga.in.gov/2026/bills/HB1201/versions/HB1201.01.INTR?format=pdf)

## Related bills

- HB 1266: Department of education and education matters. (signed)
- HB 1277: Health and human services matters. (signed)
- HB 1210: Department of local government finance. (signed)
- HB 1249: Various criminal law matters. (signed)
- HB 1200: Bureau of motor vehicles. (signed)
- HB 1115: Homeowners association governance. (signed)

## Sources
- [Introduced House Bill (H) (PDF)](https://api.iga.in.gov/2026/bills/HB1201/versions/HB1201.01.INTR?format=pdf)

## Related
- [HB 1266: Department of education and education matters.](https://policyrisk.com/state-bill/IN-HB1266-2026)
- [HB 1277: Health and human services matters.](https://policyrisk.com/state-bill/IN-HB1277-2026)
- [HB 1210: Department of local government finance.](https://policyrisk.com/state-bill/IN-HB1210-2026)
- [HB 1249: Various criminal law matters.](https://policyrisk.com/state-bill/IN-HB1249-2026)
- [HB 1200: Bureau of motor vehicles.](https://policyrisk.com/state-bill/IN-HB1200-2026)
- [HB 1115: Homeowners association governance.](https://policyrisk.com/state-bill/IN-HB1115-2026)
- [Indiana bills](https://policyrisk.com/states/indiana/bills)
- [Indiana state hub](https://policyrisk.com/states/indiana)
- [All state legislation](https://policyrisk.com/state-bills)

Source: PRIA, https://policyrisk.com/state-bill/IN-HB1201-2026 (as of 2026-11-01).