# Indiana HB 1587: Insurance matters. Indiana HB 1587, Insurance matters., is a First Regular Session 124th General Assembly (2025) House bill sponsored by Martin Carbaugh (Republican); status signed, last action 2025-05-06 (Signed by the Governor); PRIA reads it as touching household money (as of 2026-10-17). - Canonical: https://policyrisk.com/state-bill/IN-HB1587-2025 - As of: 2026-10-17 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: Indiana HB 1587 - State: Indiana - Session: First Regular Session 124th General Assembly (2025) - Title: Insurance matters. - Status: signed - Chamber: House - Introduced: 2025-01-21 - Last action: 2025-05-06, Signed by the Governor - Sponsor: Martin Carbaugh (Republican) - Cosponsors: 6 - Subjects: insurance, the senate, insurance and financial institutions, appropriations - Touches household money: yes - Roll calls: 4 (280 yes, 1 no in all) - Economic provisions PRIA read: 11 ## 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. ## Bill overview: provisions PRIA read - Emergency care payments without ambulance transport: benefit, medium. 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. Thi… - One-employee businesses can qualify for coverage: benefit, medium. 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 tota… - State workers gain mobile care option: benefit, low. 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: benefit, low. 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 comp… - Mortgage closing reporting duties end: benefit, low. 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 administr… - Insurance fraud groups get privacy exemption: cost, low. 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 protection… - Health insurer public forum rules end: cost, low. 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: cost, low. 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 case… - Homebuyer tax forms get enforcement changes: mixed, low. 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 a… - Home closing protections come with fees: mixed, low. 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… - Car and home insurance rules delayed: mixed, low. 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 o… ## Sponsors and cosponsors - Sponsor: Martin Carbaugh (Republican), House - Cosponsor: Beau Baird (Republican), House - Cosponsor: Brad Barrett (Republican), House - Cosponsor: Lonnie Randolph (Democratic), Senate - Cosponsor: Mike Gaskill (Republican), Senate - Cosponsor: Robin Shackleford (Democratic), House - Cosponsor: Scott Baldwin (Republican), Senate ## Roll call votes | Date | Chamber | Motion | Result | Yes | No | Other | | --- | --- | --- | --- | --- | --- | --- | | 2025-04-24 | Senate | Rules Suspended. Conference Committee Report 1: adopted by the Senate | pass | 50 | 0 | | | 2025-04-24 | House | Rules Suspended. Conference Committee Report 1: adopted by the House | pass | 91 | 0 | | | 2025-04-15 | Senate | Third reading: passed | pass | 47 | 1 | | | 2025-02-18 | House | Third reading: passed | pass | 92 | 0 | | ## Actions (36) - 2025-05-06: Signed by the Governor (House) - 2025-05-06: Public Law 236 (House) - 2025-04-29: Signed by the President of the Senate (Senate) - 2025-04-24: Signed by the Speaker (House) - 2025-04-24: Signed by the President Pro Tempore (Senate) - 2025-04-24: Rules Suspended. Conference Committee Report 1: adopted by the House; Roll Call 546: yeas 91, nays 0 (House) - 2025-04-24: Rules Suspended. Conference Committee Report 1: adopted by the Senate; Roll Call 519: yeas 50, nays 0 (Senate) - 2025-04-23: CCR # 1 filed in the House (House) - 2025-04-23: CCR # 1 filed in the Senate (Senate) - 2025-04-17: Senate advisors appointed: Qaddoura and Baldwin (Senate) - 2025-04-17: Senate conferees appointed: Gaskill and Randolph Lonnie M (Senate) - 2025-04-16: Motion to dissent filed (House) - 2025-04-16: House conferees appointed: Carbaugh and Shackleford (House) - 2025-04-16: House advisors appointed: Mayfield, Ledbetter, Campbell and Dant Chesser (House) - 2025-04-16: Returned to the House with amendments (Senate) - 2025-04-16: House dissented from Senate amendments (House) - 2025-04-15: Third reading: passed; Roll Call 445: yeas 47, nays 1 (Senate) - 2025-04-14: Amendment #3 (Gaskill) prevailed; voice vote (Senate) - 2025-04-14: Second reading: amended, ordered engrossed (Senate) - 2025-04-03: Committee report: amend do pass, adopted (Senate) - 2025-03-31: Senator Baldwin added as second sponsor (Senate) - 2025-03-27: Senator Randolph added as cosponsor (Senate) - 2025-03-27: Committee report: amend do pass adopted; reassigned to Committee on Appropriations (Senate) - 2025-03-03: First reading: referred to Committee on Insurance and Financial Institutions (Senate) - 2025-02-19: Referred to the Senate (House) - 2025-02-18: Senate sponsor: Senator Gaskill (House) - 2025-02-18: Representative Shackleford added as coauthor (House) - 2025-02-18: Third reading: passed; Roll Call 196: yeas 92, nays 0 (House) - 2025-02-17: Second reading: ordered engrossed (House) - 2025-02-13: Committee report: amend do pass, adopted (House) - 2025-02-04: Representative Barrett added as coauthor (House) - 2025-02-04: Recommitted to Committee on Ways and Means pursuant to House Rule 126.3 (House) - 2025-02-04: Committee report: amend do pass, adopted (House) - 2025-02-03: Representative Baird added as coauthor (House) - 2025-01-21: First reading: referred to Committee on Insurance (House) - 2025-01-21: Authored by Representative Carbaugh (House) ## Bill text - Engrossed House Bill (H): [PDF](https://api.iga.in.gov/2025/bills/HB1587/versions/HB1587.06.ENGS?format=pdf) - Enrolled House Bill (H): [PDF](https://api.iga.in.gov/2025/bills/HB1587/versions/HB1587.07.ENRS?format=pdf) - House Bill (H): [PDF](https://api.iga.in.gov/2025/bills/HB1587/versions/HB1587.02.COMH?format=pdf) - House Bill (S): [PDF](https://api.iga.in.gov/2025/bills/HB1587/versions/HB1587.03.COMH?format=pdf), [PDF](https://api.iga.in.gov/2025/bills/HB1587/versions/HB1587.04.COMS?format=pdf), [PDF](https://api.iga.in.gov/2025/bills/HB1587/versions/HB1587.05.COMS?format=pdf) - Introduced House Bill (H): [PDF](https://api.iga.in.gov/2025/bills/HB1587/versions/HB1587.01.INTR?format=pdf) ## Related bills - SB 231: Various corrections matters. (signed) - SB 324: Criminal procedures. (signed) - SB 80: Code publication. (signed) - SB 453: Various tax matters. (signed) - SB 464: Financial institutions and consumer credit. (signed) - SB 371: Workforce matters. (signed) ## Sources - [Engrossed House Bill (H) (PDF)](https://api.iga.in.gov/2025/bills/HB1587/versions/HB1587.06.ENGS?format=pdf) - [Enrolled House Bill (H) (PDF)](https://api.iga.in.gov/2025/bills/HB1587/versions/HB1587.07.ENRS?format=pdf) - [House Bill (H) (PDF)](https://api.iga.in.gov/2025/bills/HB1587/versions/HB1587.02.COMH?format=pdf) - [House Bill (S) (PDF)](https://api.iga.in.gov/2025/bills/HB1587/versions/HB1587.03.COMH?format=pdf) - [House Bill (S) (PDF)](https://api.iga.in.gov/2025/bills/HB1587/versions/HB1587.04.COMS?format=pdf) - [House Bill (S) (PDF)](https://api.iga.in.gov/2025/bills/HB1587/versions/HB1587.05.COMS?format=pdf) - [Introduced House Bill (H) (PDF)](https://api.iga.in.gov/2025/bills/HB1587/versions/HB1587.01.INTR?format=pdf) ## Related - [SB 231: Various corrections matters.](https://policyrisk.com/state-bill/IN-SB231-2025) - [SB 324: Criminal procedures.](https://policyrisk.com/state-bill/IN-SB324-2025) - [SB 80: Code publication.](https://policyrisk.com/state-bill/IN-SB80-2025) - [SB 453: Various tax matters.](https://policyrisk.com/state-bill/IN-SB453-2025) - [SB 464: Financial institutions and consumer credit.](https://policyrisk.com/state-bill/IN-SB464-2025) - [SB 371: Workforce matters.](https://policyrisk.com/state-bill/IN-SB371-2025) - [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-HB1587-2025 (as of 2026-10-17).