IndianaHB 1587First Regular Session 124th General Assembly (2025)HouseWALLET

Insurance matters.

Sponsored By: Martin Carbaugh (Republican)

Signed by Governor

Summary

Provides that the director of the state personnel department may make a determination to provide coverage under the state employee health plan for emergency medical services as part of a mobile integrated healthcare program. Provides that the requirement for a policy of accident and sickness insurance and a health maintenance organization contract to provide reimbursement for emergency medical services includes emergency medical services that are performed or provided as part of a mobile integrated healthcare program. Repeals a provision that requires the department of insurance to maintain an electronic system for the collection and storage of information concerning transactions involving residential property. Provides that the article regarding consumer data protection does not apply to any organization exempt from taxation under Section 501(c)(4) of the Internal Revenue Code that is: (1) established to detect or prevent insurance related crime or fraud; and (2) subject to a memorandum of understanding with a statewide law enforcement agency. Changes the deadline for the Indiana Public Employers' Plan, Inc., to apply to the insurance commissioner for a certificate of authority to transact business as a domestic tax exempt reciprocal insurance company from before December 31, 2026, to before December 31, 2030. Repeals the statute requiring carriers of health insurance plans to conduct annual public forums. Provides that provisions requiring a notice of material change apply to personal automobile or homeowner's policies that are issued, delivered, amended, or renewed after June 30, 2026. Amends the definition of "small employer" in the chapter regarding small employer group health insurance. Makes corresponding changes.

insurancethe senateinsurance and financial institutionsappropriations

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Bill Overview

Analyzed Economic Effects

11 provisions identified: 5 benefits, 3 costs, 3 mixed.

Emergency care payments without ambulance transport

Beginning July 1, 2025, covered health policies and HMO contracts must pay for qualifying advanced life support, even without transport. Services must come from a certified emergency medical services organization acting within its scope during a 911 response or qualifying mobile health program. This requirement applies only to plans that cover emergency medical services; existing deductibles and coinsurance still apply. When several organizations bill for one encounter, only the organization providing most of the advanced life support receives payment.

One-employee businesses can qualify for coverage

Beginning July 1, 2025, the small-employer minimum drops from two employees to one for health plans without grandfathered status. One method requires 1–50 employees on at least half the preceding calendar year's working days. The alternative adds employees averaging at least 30 hours weekly to total part-time weekly hours, divided by 12, then 120. Affiliated employers count together, and insurers must apply the definition consistently without regard to claims, health, coverage duration, or case characteristics. Grandfathered plans retain the 2–50 employee definition, with most employees based in Indiana.

State workers gain mobile care option

Beginning July 1, 2025, the state personnel director can cover qualifying mobile integrated health services through state employee health plans. The law allows this coverage but does not require it. Coverage depends on the director's decision.

Public employers' insurer gets more time

Beginning July 1, 2025, the Indiana Public Employers' Plan gets more time to apply for its insurance-company conversion. It must apply before December 31, 2030, rather than before December 31, 2026. The application seeks authority to operate as an Indiana-based, tax-exempt reciprocal insurance company. This deadline change does not establish a household payment or coverage benefit.

Mortgage closing reporting duties end

Beginning July 1, 2025, Indiana repeals its electronic reporting system for covered mortgage and real estate transactions. Closing agents and other covered participants no longer have the related information-submission duties or civil penalties. The law also removes authority to charge an administrative fee for that system.

Insurance fraud groups get privacy exemption

Beginning January 1, 2026, qualifying insurance-crime and fraud prevention groups are exempt from Indiana's consumer data protection law. A group must have federal 501(c)(4) tax-exempt status and a formal agreement with a statewide law enforcement agency. The exemption removes that law's protections for personal data handled by these qualifying groups.

Health insurer public forum rules end

Beginning July 1, 2025, Indiana repeals the legal framework for public forums held by health insurers. The repeal ends those statutory forum rules. It does not specify a change to health coverage, premiums, or household payments.

Home counseling loses penalty funding sources

Beginning July 1, 2025, two civil-penalty funding sources no longer support Indiana's home ownership education and foreclosure counseling programs. These are penalties tied to property tax forms and mortgage transaction reporting. Court penalties for violating orders in residential foreclosure cases remain a funding source. The law does not specify how much revenue the programs lose.

Homebuyer tax forms get enforcement changes

Beginning July 1, 2025, closing agents must still give customers the property tax benefits form before covered home-loan closings. Covered deals include single-family residential first-lien purchase mortgages and refinances. The law removes the $25 penalty for each failure to provide the form. It also removes agents' specific legal immunity for failing to provide it, without setting damages or guaranteeing a remedy.

Home closing protections come with fees

When a title company or producer issues title insurance and handles closing, it must provide closing protection letters. These protect lenders, borrowers, buyers, and sellers against specified losses from stolen settlement funds or failure to follow written instructions. Each protected party pays a fee approved by the insurance commissioner; fee-splitting agreements do not apply. The requirement covers first-lien purchase loans and refinances closed after December 31, 2009, and other covered transactions after December 31, 2011.

Car and home insurance rules delayed

The law delays an insurance chapter's application to personal car and homeowners policies by one year. It now applies to policies issued, delivered, amended, or renewed after June 30, 2026, instead of June 30, 2025. The provided provision does not explain the chapter's requirements, so its effect on coverage or costs is unclear.

Sponsors & Cosponsors

Sponsor

  • Martin Carbaugh

    Republican • House

Cosponsors

  • Beau Baird

    Republican • House

  • Brad Barrett

    Republican • House

  • Lonnie Randolph

    Democratic • Senate

  • Mike Gaskill

    Republican • Senate

  • Robin Shackleford

    Democratic • House

  • Scott Baldwin

    Republican • Senate

Roll Call Votes

All Roll Calls

Yes: 280 • No: 1

Senate vote • 4/24/2025

Rules Suspended. Conference Committee Report 1: adopted by the Senate

Yes: 50 • No: 0

House vote • 4/24/2025

Rules Suspended. Conference Committee Report 1: adopted by the House

Yes: 91 • No: 0

Senate vote • 4/15/2025

Third reading: passed

Yes: 47 • No: 1

House vote • 2/18/2025

Third reading: passed

Yes: 92 • No: 0

Actions Timeline

  1. Signed by the Governor

    5/6/2025House
  2. Public Law 236

    5/6/2025House
  3. Signed by the President of the Senate

    4/29/2025Senate
  4. Signed by the Speaker

    4/24/2025House
  5. Signed by the President Pro Tempore

    4/24/2025Senate
  6. Rules Suspended. Conference Committee Report 1: adopted by the House; Roll Call 546: yeas 91, nays 0

    4/24/2025House
  7. Rules Suspended. Conference Committee Report 1: adopted by the Senate; Roll Call 519: yeas 50, nays 0

    4/24/2025Senate
  8. CCR # 1 filed in the House

    4/23/2025House
  9. CCR # 1 filed in the Senate

    4/23/2025Senate
  10. Senate advisors appointed: Qaddoura and Baldwin

    4/17/2025Senate
  11. Senate conferees appointed: Gaskill and Randolph Lonnie M

    4/17/2025Senate
  12. Motion to dissent filed

    4/16/2025House
  13. House conferees appointed: Carbaugh and Shackleford

    4/16/2025House
  14. House advisors appointed: Mayfield, Ledbetter, Campbell and Dant Chesser

    4/16/2025House
  15. Returned to the House with amendments

    4/16/2025Senate
  16. House dissented from Senate amendments

    4/16/2025House
  17. Third reading: passed; Roll Call 445: yeas 47, nays 1

    4/15/2025Senate
  18. Amendment #3 (Gaskill) prevailed; voice vote

    4/14/2025Senate
  19. Second reading: amended, ordered engrossed

    4/14/2025Senate
  20. Committee report: amend do pass, adopted

    4/3/2025Senate
  21. Senator Baldwin added as second sponsor

    3/31/2025Senate
  22. Senator Randolph added as cosponsor

    3/27/2025Senate
  23. Committee report: amend do pass adopted; reassigned to Committee on Appropriations

    3/27/2025Senate
  24. First reading: referred to Committee on Insurance and Financial Institutions

    3/3/2025Senate
  25. Referred to the Senate

    2/19/2025House

Bill Text

  • Engrossed House Bill (H)

  • Enrolled House Bill (H)

  • House Bill (H)

  • House Bill (S)

  • Introduced House Bill (H)

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