# Indiana HB 1260: Various insurance matters. Indiana HB 1260, Various insurance matters., is a Second Regular Session 124th General Assembly (2026) House bill sponsored by Matt Lehman (Republican); status signed, last action 2026-03-04 (Public Law 86); PRIA reads it as touching household money (as of 2026-11-01). - Canonical: https://policyrisk.com/state-bill/IN-HB1260-2026 - 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 1260 - State: Indiana - Session: Second Regular Session 124th General Assembly (2026) - Title: Various insurance matters. - Status: signed - Chamber: House - Introduced: 2026-01-05 - Last action: 2026-03-04, Public Law 86 - Sponsor: Matt Lehman (Republican) - Cosponsors: 3 - Subjects: insurance, the senate, insurance and financial institutions, appropriations - Touches household money: yes - Roll calls: 3 (218 yes, 13 no in all) - Economic provisions PRIA read: 18 ## Summary Requires a person or entity to furnish information relating to a fraudulent insurance act to the department of insurance or the National Insurance Crime Bureau. Provides that a person or entity is not subject to civil or criminal liability for filing a report or furnishing other information concerning a fraudulent insurance act under certain circumstances. Sets forth a fee schedule for providing unrestricted data to certain entities from the all payer claims data base. Makes various changes to: (1) provisions relating to notice of material change; and (2) the property and casualty insurance and guaranty association law. Allows the insurance commissioner to waive the requirements for a merger or consolidation of a farm mutual insurance company with any other company if an emergency event occurs. Provides that a policy of insurance that provides coverage in excess of any liability relating to a self-insured retention amount shall be considered a commercial umbrella or excess liability policy under the uninsured and underinsured motorist coverage provision. Requires an insurer of automobile insurance policies to mail a notice of nonrenewal at least 30 days before the expiration of the policy. Requires an insurer of residential policies to: (1) mail a notice of nonrenewal at least 60 days before the expiration of the policy; and (2) take certain actions when the insurer utilizes aerial images as part of the insurer's coverage determinations. Allows co-owners of a condominium that meets certain conditions to obtain property and casualty insurance coverage for the condominium units by purchasing a master policy or by allowing each co-owner to purchase insurance on an individual basis. Requires an insurer and a health maintenance organization to provide an insurance producer with access to a complete list of providers who have entered into a reimbursement agreement with the insurer or health maintenance organization. Provides that the prohibition on denying, conditioning, or discriminating in the pricing of Medicare supplement policies for certain applicants applies to an applicant who submits an application during the period beginning one month before the applicant's birthday and ending one month after the applicant's birthday. Provides that the insurance commissioner has the authority to take certain actions relating to the creation, implementation, or operation of a health benefit exchange. Requires the department of insurance to annually report information to the budget committee regarding the fee schedule for providing unrestricted data that is being added in the bill. ## Bill overview: provisions PRIA read - Seniors can switch Medicare supplement insurers: benefit, high. Beginning March 15, 2026, Medicare supplement policyholders age 65 or older get a protected birthday window to change insurers. Applications must fall from one month before through one month after their birthday. They must seek the same lettered plan type, including a variation, from a different in… - More time to protect property coverage: benefit, medium. Beginning July 1, 2026, property insurers must mail nonrenewal notices at least 60 days before expiration, up from 20 days. Independent agents also get notice at least 10 days before the policyholder's mailing, unless agent notice is waived. When aerial images alone support nonrenewal, insurers mus… - Drivers get longer auto nonrenewal notice: benefit, low. For auto policies issued, delivered, amended, or renewed beginning January 1, 2027, nonrenewal notice increases from 20 to 30 days. Insurers must mail that advance notice to the named policyholder. Exceptions cover unpaid premiums, an insurer's willingness to renew, and transfers to an affiliated i… - Small condo owners gain insurance choices: benefit, low. Beginning July 1, 2026, qualifying condominium co-owners can insure units through a master policy or buy individual coverage. Every unit must be designed and built for no more than two families and contain no more than two living quarters. Co-owners still must insure land, recreational facilities,… - Earlier coordination when insurers face failure: benefit, low. Beginning July 1, 2026, the insurance commissioner can share protected insurer information to prepare for possible liquidation. Recipients must agree in writing to keep it confidential and use it only for that preparation. The commissioner can help arrange an orderly transition when liquidation is… - Faster emergency mergers for farm insurers: benefit, low. Beginning July 1, 2026, the commissioner can waive merger or consolidation requirements for farm mutual insurers facing specified emergencies. An insurer qualifies after notice of reinsurance loss within 120 days, or another emergency creating imminent insolvency danger. For an emergency-event merg… - Indiana can operate a health exchange: benefit, low. Beginning July 1, 2026, Indiana's insurance commissioner has authority to create, administer, or operate a health benefit exchange. The commissioner can seek, accept, and spend federal money for its creation and operation, and establish advisory groups. This authority does not itself set coverage e… - Insurance agents get complete provider lists: benefit, low. Beginning July 1, 2026, insurers and health maintenance organizations must give their contracted insurance agents access to complete provider lists. They must post those lists on their agent communication portals. This improves agents' access to network information but does not change household cov… - Payment limits when an insurer fails: cost, medium. Beginning July 1, 2026, the Indiana Insurance Guaranty Association pays covered unearned-premium refunds only above $50, capped at $10,000 per policy. Cybersecurity claims share a $300,000 cap for each insured event, regardless of how many claims or claimants are involved. Payments cannot exceed th… - Failed-insurer claims get new handling rules: mixed, medium. Beginning July 1, 2026, the guaranty association can pay covered claims in any reasonable order and direct lawyers and service providers. Third-party claims filed in liquidation go to the association unless the claimant chooses liquidation handling within 30 days. After payment, the association tak… - Wealthy insureds must repay claim advances: mixed, medium. Beginning July 1, 2026, the guaranty association can choose to pay third-party or cyber obligations for high-net-worth insureds. The coverage must come from a failed insurer's policy or endorsement, and the association has no continuing duty to pay. It must recover all payments, allocated claim-adj… - Who gets protection after insurer failure: mixed, medium. Guaranty protections recognize named and additional insureds, vendors, lessors, and anyone else identified as insured under the policy. A policy first issued by a member insurer keeps member status after a state-law transfer of sole responsibility if the receiving insurer is liquidated. A policy fi… - Narrower premium rules, clearer explanation deadlines: mixed, low. The chapter takes effect July 1, 2026, for covered personal policies issued, delivered, amended, or renewed beginning January 1, 2027. A material change means a premium increase more than 10% beyond increases in the insurer's filed rate plan. Coverage reductions no longer count; exclusions also cov… - Which households receive policy notice protections: mixed, low. The notice chapter covers personal policies issued, delivered, amended, or renewed beginning January 1, 2027. It includes private-passenger-rated auto policies and homeowner forms for mobile, manufactured, and condominium homes, plus renters insurance. Exclusions include boats, inland marine covera… - Fraud reporting duties and stronger protections: mixed, low. Beginning July 1, 2026, insurance-regulated people and entities must report known or reasonably suspected fraud within 60 days after notice. Reports go to Indiana's insurance department or the National Insurance Crime Bureau, which must share them with the department. Fraud includes knowingly false… - Insurance data requests carry new fees: mixed, low. Beginning July 1, 2026, listed insurance data costs $125–$3,750 quarterly or $500–$15,000 annually, depending on requester and dataset. Custom data costs $80 per hour, with a one-hour minimum, plus $0.03 per person; a written estimate is required first. Required analytic-workspace access adds $1,00… - Commercial excess policies have coverage exceptions: mixed, low. Beginning July 1, 2026, liability coverage above a self-insured retention counts as commercial umbrella or excess insurance. Insurers need not offer uninsured or underinsured motorist coverage in commercial umbrella or excess policies and can choose umbrella limits. They must give written notice wh… - Insurers face revised guaranty funding charges: mixed, low. Beginning July 1, 2026, member insurers fund guaranty administration through Class A charges and insolvency duties through premium-based Class B charges. Charges stay separate across three accounts and cannot exceed 1% of an insurer's prior-year net direct written premiums per account annually. Cla… ## Sponsors and cosponsors - Sponsor: Matt Lehman (Republican), House - Cosponsor: Lonnie Randolph (Democratic), Senate - Cosponsor: Martin Carbaugh (Republican), House - Cosponsor: Scott Baldwin (Republican), Senate ## Roll call votes | Date | Chamber | Motion | Result | Yes | No | Other | | --- | --- | --- | --- | --- | --- | --- | | 2026-02-26 | House | House concurred with Senate amendments | pass | 78 | 12 | | | 2026-02-24 | Senate | Third reading: passed | pass | 48 | 0 | | | 2026-01-28 | House | Third reading: passed | pass | 92 | 1 | | ## Actions (30) - 2026-03-04: Public Law 86 (House) - 2026-03-04: Signed by the Governor (House) - 2026-02-27: Signed by the President Pro Tempore (Senate) - 2026-02-27: Signed by the President of the Senate (Senate) - 2026-02-26: House concurred with Senate amendments; Roll Call 392: yeas 78, nays 12 (House) - 2026-02-26: Signed by the Speaker (House) - 2026-02-25: Senate advisors appointed: Walker K, Qaddoura (Senate) - 2026-02-25: Senate conferees appointed: Baldwin, Randolph Lonnie M (Senate) - 2026-02-25: House advisors appointed: Carbaugh, Mayfield, Campbell, Garcia Wilburn (House) - 2026-02-25: House conferees appointed: Lehman, Dvorak (House) - 2026-02-25: Motion to concur filed (House) - 2026-02-24: Third reading: passed; Roll Call 245: yeas 48, nays 0 (Senate) - 2026-02-24: Returned to the House with amendments (Senate) - 2026-02-24: Motion to dissent filed (House) - 2026-02-24: House dissented from Senate amendments (House) - 2026-02-23: Amendment #1 (Baldwin) prevailed; voice vote (Senate) - 2026-02-23: Second reading: amended, ordered engrossed (Senate) - 2026-02-19: Committee report: amend do pass, adopted (Senate) - 2026-02-12: Committee report: amend do pass adopted; reassigned to Committee on Appropriations (Senate) - 2026-02-09: Senator Randolph added as cosponsor (Senate) - 2026-02-02: First reading: referred to Committee on Insurance and Financial Institutions (Senate) - 2026-01-29: Referred to the Senate (House) - 2026-01-28: Third reading: passed; Roll Call 130: yeas 92, nays 1 (House) - 2026-01-28: Senate sponsor: Senator Baldwin (House) - 2026-01-22: Amendment #1 (Garcia Wilburn) motion withdrawn (House) - 2026-01-22: Second reading: ordered engrossed (House) - 2026-01-20: Committee report: amend do pass, adopted (House) - 2026-01-05: Coauthored by Representative Carbaugh (House) - 2026-01-05: Authored by Representative Lehman (House) - 2026-01-05: First reading: referred to Committee on Insurance (House) ## Bill text - Engrossed House Bill (H): [PDF](https://api.iga.in.gov/2026/bills/HB1260/versions/HB1260.05.ENGS?format=pdf) - Enrolled House Bill (H): [PDF](https://api.iga.in.gov/2026/bills/HB1260/versions/HB1260.06.ENRS?format=pdf) - House Bill (S): [PDF](https://api.iga.in.gov/2026/bills/HB1260/versions/HB1260.02.COMH?format=pdf), [PDF](https://api.iga.in.gov/2026/bills/HB1260/versions/HB1260.03.COMS?format=pdf), [PDF](https://api.iga.in.gov/2026/bills/HB1260/versions/HB1260.04.COMS?format=pdf) - Introduced House Bill (H): [PDF](https://api.iga.in.gov/2026/bills/HB1260/versions/HB1260.01.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 - [Engrossed House Bill (H) (PDF)](https://api.iga.in.gov/2026/bills/HB1260/versions/HB1260.05.ENGS?format=pdf) - [Enrolled House Bill (H) (PDF)](https://api.iga.in.gov/2026/bills/HB1260/versions/HB1260.06.ENRS?format=pdf) - [House Bill (S) (PDF)](https://api.iga.in.gov/2026/bills/HB1260/versions/HB1260.02.COMH?format=pdf) - [House Bill (S) (PDF)](https://api.iga.in.gov/2026/bills/HB1260/versions/HB1260.03.COMS?format=pdf) - [House Bill (S) (PDF)](https://api.iga.in.gov/2026/bills/HB1260/versions/HB1260.04.COMS?format=pdf) - [Introduced House Bill (H) (PDF)](https://api.iga.in.gov/2026/bills/HB1260/versions/HB1260.01.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-HB1260-2026 (as of 2026-11-01).