IndianaSB 189Second Regular Session 124th General Assembly (2026)Senate

Nonparticipating providers.

Sponsored By: Scott Baldwin (Republican)

Signed by Governor

Summary

Requires an initiating party that submits a request for independent dispute resolution to provide written notice to the facility not later than three business days after submitting the request. Allows a health carrier to provide notice to an out of network provider and a facility if, during any 90 day period, an initiating party submits requests for independent dispute resolutions that, in the aggregate, include 25 or more qualified disputes. Provides that if a health carrier provides the notice, the health carrier, the out of network provider, and the facility shall engage in good faith efforts to negotiate a resolution. Prohibits a health carrier from assessing a facility or a provider an administrative fee or penalty related to the provision of care to an individual that involves an out of network provider. Provides that if a health carrier assesses a facility or a provider an administrative fee or penalty related to the provision of care to an individual that involves an out of network provider, the health carrier commits an unfair and deceptive act or practice in the business of insurance.

insurance and financial institutionsthe houseinsurance

Personalized for You

How does this bill affect your finances?

Personalize government policy and PRIA will tell you what this bill means for your household, plus every other piece of legislation we track. PRIA reads each provision against your financial profile to show you exactly what matters to your wallet.

Bill Overview

Analyzed Economic Effects

2 provisions identified: 1 benefits, 0 costs, 1 mixed.

Insurers cannot penalize out-of-network care providers

Effective on passage, insurers cannot charge facilities or providers administrative fees or penalties for care involving an out-of-network provider. Violations count as unfair or deceptive insurance practices and face enforcement under Indiana insurance law. This protects facilities and providers from these charges. It does not set patient bills or require insurers to lower them.

New notice rules for medical payment disputes

Effective on passage, Indiana requires insurers and out-of-network providers requesting federal payment dispute resolution to notify the facility within 3 business days. They must include a copy of the request. Licensing boards can enforce provider failures, with penalties for repeated or persistent violations capped at $5,000 annually; insurance officials enforce insurer failures. When requests cover at least 25 distinct qualified items or services within 90 days, an insurer may send a coordination notice. That notice must explain the basis, provide contact details, and arrive by email and certified mail. After notice, the insurer, provider, and facility must negotiate in good faith within 30 days, exchanging relevant information. They must hold at least one conference, but no more than one per calendar quarter; enforcement does not excuse participation. Conference records must list disputed payments and offers, but cannot decide claims or change legal rights or access to dispute resolution. Records containing claim-specific payment information stay confidential; the state publishes aggregate statistics instead of individual records. These rules do not directly change household coverage or payment obligations.

Sponsors & Cosponsors

Sponsor

  • Scott Baldwin

    Republican • Senate

Cosponsors

  • Brad Barrett

    Republican • House

  • Chris Campbell

    Democratic • House

  • Chris Garten

    Republican • Senate

  • Craig Snow

    Republican • House

  • Eric Koch

    Republican • Senate

  • Liz Brown

    Republican • Senate

  • Lonnie Randolph

    Democratic • Senate

  • Martin Carbaugh

    Republican • House

  • Tyler Johnson

    Republican • Senate

Roll Call Votes

All Roll Calls

Yes: 189 • No: 1

Senate vote • 2/26/2026

Senate concurred with House amendments

Yes: 49 • No: 0

House vote • 2/23/2026

Third reading: passed

Yes: 96 • No: 0

Senate vote • 1/27/2026

Third reading: passed

Yes: 44 • No: 1

Actions Timeline

  1. Signed by the Governor

    3/5/2026Senate
  2. Public Law 119

    3/5/2026Senate
  3. Signed by the Speaker

    2/27/2026House
  4. Signed by the President of the Senate

    2/27/2026Senate
  5. Signed by the President Pro Tempore

    2/27/2026Senate
  6. Senate concurred with House amendments; Roll Call 299: yeas 49, nays 0

    2/26/2026Senate
  7. Dissent rescinded

    2/25/2026Senate
  8. Motion to concur filed

    2/25/2026Senate
  9. Senate dissented from House amendments

    2/25/2026Senate
  10. House conferees appointed: Barrett, Campbell

    2/25/2026House
  11. House advisors appointed: Carbaugh, Shackleford

    2/25/2026House
  12. Motion to dissent filed

    2/24/2026Senate
  13. Returned to the Senate with amendments

    2/24/2026House
  14. Representatives Snow, Campbell added as cosponsors

    2/23/2026House
  15. Third reading: passed; Roll Call 306: yeas 96, nays 0

    2/23/2026House
  16. Second reading: ordered engrossed

    2/19/2026House
  17. Committee report: amend do pass, adopted

    2/17/2026House
  18. First reading: referred to Committee on Insurance

    1/29/2026House
  19. Referred to the House

    1/28/2026Senate
  20. Third reading: passed; Roll Call 103: yeas 44, nays 1

    1/27/2026Senate
  21. Senators Koch, Brown L added as coauthors

    1/27/2026Senate
  22. Senator Johnson T added as third author

    1/27/2026Senate
  23. House sponsor: Representative Barrett

    1/27/2026Senate
  24. Cosponsor: Representative Carbaugh

    1/27/2026Senate
  25. Second reading: ordered engrossed

    1/26/2026Senate

Bill Text

  • Enrolled Senate Bill (S)

  • Introduced Senate Bill (S)

  • Senate Bill (H)

  • Senate Bill (S)

Related Bills

Back to State Legislation