# Kansas HB 2334: Enacting the Kansas protected cell captive insurance company act, providing for the redomestication of a foreign or alien captive insurance company and updating certain terms, requirements and conditions of the captive insurance act, reducing insurance company premium tax rates, creating parity between the insurance agent and public adjuster licensing requirements, authorizing insurers to file certain travel insurance policies under the accident and health line of insurance and authorizing the commissioner of insurance to select and announce the version of certain instructions, calculations and documents in effect for the upcoming calendar year and cause such announcement to be published in the Kansas register not later than December 1 of the current year. Kansas HB 2334, Enacting the Kansas protected cell captive insurance company act, providing for the redomestication of a foreign or alien captive insurance company and updating certain terms, requirements and conditions of the captive insurance act, reducing insurance company premium tax rates, creating parity between the insurance agent and public adjuster licensing requirements, authorizing insurers to file certain travel insurance policies under the accident and health line of insurance and authorizing the commissioner of insurance to select and announce the version of certain instructions, calculations and documents in effect for the upcoming calendar year and cause such announcement to be published in the Kansas register not later than December 1 of the current year., is a 2025–2026 Regular Session House bill sponsored by Committee on Insurance; status signed, last action 2025-04-10 (Reengrossed on Tuesday, April 1, 2025) (as of 2026-10-19). - Canonical: https://policyrisk.com/state-bill/KS-HB2334-2025-2026 - As of: 2026-10-19 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: Kansas HB 2334 - State: Kansas - Session: 2025–2026 Regular Session - Title: Enacting the Kansas protected cell captive insurance company act, providing for the redomestication of a foreign or alien captive insurance company and updating certain terms, requirements and conditions of the captive insurance act, reducing insurance company premium tax rates, creating parity between the insurance agent and public adjuster licensing requirements, authorizing insurers to file certain travel insurance policies under the accident and health line of insurance and authorizing the commissioner of insurance to select and announce the version of certain instructions, calculations and documents in effect for the upcoming calendar year and cause such announcement to be published in the Kansas register not later than December 1 of the current year. - Status: signed - Chamber: House - Introduced: 2025-02-07 - Last action: 2025-04-10, Reengrossed on Tuesday, April 1, 2025 - Sponsor: Committee on Insurance - Cosponsors: 0 - Subjects: senate committee on financial institutions and insurance, house committee on insurance - Touches household money: no - Roll calls: 8 (632 yes, 22 no in all) - Economic provisions PRIA read: 25 ## Summary No summary available. ## Bill overview: provisions PRIA read - Adjuster license reviews must consider rehabilitation: benefit, low. For conviction-based adjuster license decisions, the commissioner must consider the conduct's seriousness and recency, rehabilitation, and the applicant's honesty. Reviews for reinstatement or licensing after revocation must consider present fitness, rehabilitation, later conduct, and competence. T… - Limits on misleading insurer financial claims: benefit, low. The law bars potentially misleading claims about insurer groups' capital calculations, capital ratios, liquidity stress tests, and supporting disclosures. This information cannot be used to rank insurers or insurance groups. An insurer can issue a written announcement solely to rebut a materially f… - Captive insurers can convert or relocate: benefit, low. With commissioner approval, protected cells can become authorized captive insurers, and captive insurers can become protected-cell companies. Conversions retain the prior formation or certificate date specified by the act and require updated company documents where specified. Captive insurers from… - Captive insurers can offer more coverage: benefit, low. Kansas captive insurers can provide workers' compensation, similar insurance, and reinsurance for those policies. They can also provide excess or stop-loss accident and health insurance. Applicable federal and state laws can still prohibit these products. The law does not guarantee coverage or lowe… - Captive insurers gain temporary licensing route: benefit, low. The commissioner can grant a captive insurer temporary operating authority when it serves the public interest. Applicants must submit a complete application and required fees. The commissioner must first find the controlling manager's expertise, experience, and character acceptable. The commissione… - Captive insurers get less frequent exams: benefit, low. Regular financial examinations of captive insurers are required at least once every five years, instead of every three years. The commissioner can still order more frequent examinations when needed. - Insurance cells can pool their investments: benefit, low. Protected-cell insurers can combine assets from two or more cells for investment. The cells remain separate for accounting and other purposes. The commissioner can also approve other reliable methods for valuation and rating. - Lower fees and fewer captive insurer costs: benefit, low. Captive insurers not in existence on January 1, 2018, pay a nonrefundable application fee capped at $2,500, down from $10,000. Their annual renewal fee falls from $10,000 to $2,500. Captives already in existence on that date pay $110 annually until January 1, 2028, then the newer fee schedule appli… - Travel insurers gain more filing options: benefit, low. Insurers can file qualifying travel policies under either accident and health or inland marine insurance. Policies can cover sickness, accidents, disability, or death during travel. That coverage can stand alone or include emergency evacuation or return of remains. The law does not specify changes… - Insurers pay lower premium tax rates: benefit, low. Covered Kansas and out-of-state insurers and nonprofit service corporations pay a 2% premium tax for tax year 2025. The rate falls to 1.98% for tax year 2026 and later. Covered nonprofit health service corporations are taxed on the preceding year's Kansas premiums, subscription charges, and other h… - Adjusters must pay covered hearing costs: cost, low. In covered proceedings resulting in a penalty or license denial, suspension, revocation, or nonrenewal, hearing costs must be assessed. The person involved or the business they represent must pay. Costs include witness fees, mileage, copying documents, and preparing the hearing record. The law does… - Agents and adjusters face licensing restrictions: cost, low. Certain out-of-jurisdiction actions against public adjuster licenses, securities registrations, or equivalent credentials can trigger Kansas agent or adjuster license restrictions. Public adjusters also face discipline for not answering the commissioner within 15 business days. Insurers cannot empl… - Captive insurers join regulation funding assessments: cost, low. Captive insurers authorized in Kansas are included in the rules for insurance department assessments. Beginning January 1, 2026, commissioner fees go to the Insurance Department Service Regulation Fund. The fund no longer receives the previously specified 1% share of premium taxes. Annual assessmen… - Insurers follow selected financial safety instructions: cost, low. The commissioner selects which national insurance calculations, instructions, and required documents apply for the coming calendar year. Selections include risk-based capital and group capital instructions. The announcement must appear in the Kansas Register by December 1 of the current year. Certa… - Out-of-state insurance groups pay specified fees: cost, low. Out-of-state fraternal benefit societies and nonprofit hospital, medical, dental, optometric, and pharmacy service corporations pay Kansas admission and annual fees. Charter and document examination costs $500, and filing an annual statement costs $100. A certificate of authority costs $10, and ann… - Pure captive insurers face tighter limits: cost, low. A pure captive insurer can insure only its parent and affiliated companies. The law removes the former allowance for controlled unaffiliated business totaling up to 5% of direct written premiums. That former allowance required prior commissioner approval. - Insurers face updated estimated tax payments: cost, low. Covered insurers, corporations, and associations must make estimated tax payments by June 15 and December 15. Each payment equals 50% of their reported prior-year taxes. That calculation includes specified insurance taxes and fees, plus taxes supporting the Kansas State Fire Marshal. This changes c… - Businesses gain separate insurance cell options: mixed, low. Approved sponsors can form insurers with separate protected cells for participating businesses and other entities. Company forms include stock, mutual, nonprofit, and limited liability companies. Sponsors can participate, and participants need not own shares; participants generally insure only thei… - Insurance cells gain safeguards and oversight: mixed, low. Protected-cell insurers must keep each cell's assets, debts, and records separate, allocate expenses fairly, and report yearly cell results. They must notify the commissioner within 10 business days when a cell is insolvent or cannot meet claims or expenses. Cell creation, participant contracts, wi… - Insurance groups face filings and exemptions: mixed, low. Insurance groups can qualify for capital-filing exemptions based on their structure, business, supervisor, and available regulatory reports. A Federal Reserve exemption fails if the required calculation cannot be shared; losing any exemption generally requires filing by the next annual deadline. Th… - Insurer reports receive stronger privacy protections: mixed, low. The commissioner must keep specified group capital reports, ratios, liquidity stress-test results, and related supervisory information confidential. Written national insurance association agreements must exclude reports under the holding-company registration statute and bar permanent database reten… - Insurers gain asset safeguards and limits: mixed, low. The commissioner can require a troubled insurer to secure an affiliate agreement; the insurer chooses a deposit or bond. Security cannot exceed one year's agreement value and can last for the agreement or the financial trouble. Affiliate-held insurer records remain insurer-controlled and must be se… - Kansas repeals listed insurance law provisions: mixed, low. The law repeals 19 listed Kansas insurance statutes. The repeal list does not explain the prior rules or identify separate effects on insurers or consumers. No household cost or benefit can be determined from the list alone. - Some employee health plans leave oversight: mixed, low. Specified self-funded employee health plans are excluded from the Kansas insurance code. The exclusion covers plans maintained for employees by state and local governments, schools, public authorities, and their agencies. It also covers employee plans of churches and church groups exempt from tax u… - Tax breaks for captives moving to Kansas: mixed, low. Captive insurers moving from another state or country pay Kansas premium tax only on premiums paid after the move. Those moving after July 1 owe half the minimum premium tax. They can skip premium-tax payment in their first or second Kansas year, but not both. Surrendering their Kansas license or m… ## Sponsors and cosponsors - Sponsor: Committee on Insurance ## Roll call votes | Date | Chamber | Motion | Result | Yes | No | Other | | --- | --- | --- | --- | --- | --- | --- | | 2026-04-23 | House | Yea: 40 Nay: 0 | pass | 40 | 0 | | | 2026-04-23 | House | Yea: 123 Nay: 1 | pass | 123 | 1 | | | 2026-04-23 | House | Yea: 40 Nay: 0 | pass | 40 | 0 | | | 2026-04-23 | House | Yea: 113 Nay: 10 | pass | 113 | 10 | | | 2025-03-27 | House | Conference Committee Report was adopted | pass | 123 | 1 | | | 2025-03-27 | Senate | Conference Committee Report was adopted | pass | 40 | 0 | | | 2025-03-20 | Senate | Emergency Final Action - Passed as amended | pass | 40 | 0 | | | 2025-02-20 | House | Final Action - Passed as amended | pass | 113 | 10 | | ## Actions (27) - 2025-04-10: Reengrossed on Tuesday, April 1, 2025 (House) - 2025-04-10: Enrolled and presented to Governor on Friday, April 4, 2025 (House) - 2025-04-08: Approved by Governor on Tuesday, April 8, 2025 (House) - 2025-03-27: Conference committee report now available (Senate) - 2025-03-27: Conference Committee Report was adopted; Yea 40, Nay 0 (Senate) - 2025-03-27: Conference Committee Report was adopted; Yea 123, Nay 1, Absent 1 (House) - 2025-03-24: Nonconcurred with amendments; Conference Committee requested; appointed Rep. Bill Sutton, Rep. Brian Bergkamp and Rep. Cindy Neighbor (House) - 2025-03-24: Motion to accede adopted; Sen. Brenda Dietrich, Sen. Michael Fagg and Sen. Marci Francisco appointed as conferees (Senate) - 2025-03-20: Committee of the Whole - Committee Report be adopted (Senate) - 2025-03-20: Committee of the Whole - Motion to Amend - Offered by Sen. Marci Francisco (Senate) - 2025-03-20: Committee of the Whole - Amendment by Sen. Marci Francisco was adopted (Senate) - 2025-03-20: Committee of the Whole - Be passed as further amended (Senate) - 2025-03-20: Emergency Final Action - Passed as amended; Yea 40, Nay 0 (Senate) - 2025-03-18: Committee Report recommending bill be passed as amended by Senate Committee on Financial Institutions and Insurance (Senate) - 2025-03-12: Hearing continuation: Wednesday, March 12, 2025, 9:30 AM — Room 546-S (Senate) - 2025-03-05: Hearing: Wednesday, March 5, 2025, 9:30 AM — Room 546-S (Senate) - 2025-02-26: Referred to Senate Committee on Financial Institutions and Insurance (Senate) - 2025-02-26: Engrossed on Thursday, February 20, 2025 (House) - 2025-02-25: Received and Introduced (Senate) - 2025-02-20: Final Action - Passed as amended; Yea 113, Nay 10, Absent 2 (House) - 2025-02-19: Committee of the Whole - Committee Report be adopted (House) - 2025-02-19: Committee of the Whole - Be passed as amended (House) - 2025-02-18: Committee Report recommending bill be passed as amended by House Committee on Insurance (House) - 2025-02-14: Hearing: Friday, February 14, 2025, 3:30 PM — Room 218-N (House) - 2025-02-12: Hearing: Wednesday, February 12, 2025, 3:30 PM — Room 218-N — CANCELED (House) - 2025-02-07: Introduced (House) - 2025-02-07: Referred to House Committee on Insurance (House) ## Bill text - As Amended by House Committee: [PDF](https://www.kslegislature.gov/b2025_26/bills/download/?apn=b2025_26/year2/ready_for_publication/hb_2334/hb2334_01_0000.pdf) - As Amended by Senate Committee: [PDF](https://www.kslegislature.gov/b2025_26/bills/download/?apn=b2025_26/year2/ready_for_publication/hb_2334/hb2334_02_0000.pdf) - As Introduced: [PDF](https://www.kslegislature.gov/b2025_26/bills/download/?apn=b2025_26/year2/ready_for_publication/hb_2334/hb2334_00_0000.pdf) - Enrolled: [PDF](https://www.kslegislature.gov/b2025_26/bills/download/?apn=b2025_26/year2/ready_for_publication/hb_2334/hb2334_enrolled.pdf) - {As Amended by Senate Committee of the Whole}: [PDF](https://www.kslegislature.gov/b2025_26/bills/download/?apn=b2025_26/year2/ready_for_publication/hb_2334/hb2334_03_0000.pdf) ## Related bills - SB 430: Adding mitragynine to schedule I of the uniform controlled substances act and reconciling multiple amendments to certain statutes in the Kansas criminal code. (signed) - SB 82: Providing tax credits for expenditures for lockable gun and ammunition storage and the retail sale of higher ethanol blends of fuel, discontinuing the tax cred… (signed) - SB 300: Providing for the apportionment of business income by manufacturers of alcoholic liquor depending on whether the taxpayer is a qualifying Kansas investor or a… (signed) - HB 2029: Reconciling multiple amendments to certain statutes. (signed) - HB 2018: Senate Substitute for HB 2018 by Committee on Federal and State Affairs - Creating the crime of interference with the conduct of a religious assembly, providin… (became law) - HB 2530: Substitute for HB 2530 by Committee on Education - Providing for the transferability of credentials earned through ACT workkeys career readiness assessments to… (failed) ## Sources - [As Amended by House Committee (PDF)](https://www.kslegislature.gov/b2025_26/bills/download/?apn=b2025_26/year2/ready_for_publication/hb_2334/hb2334_01_0000.pdf) - [As Amended by Senate Committee (PDF)](https://www.kslegislature.gov/b2025_26/bills/download/?apn=b2025_26/year2/ready_for_publication/hb_2334/hb2334_02_0000.pdf) - [As Introduced (PDF)](https://www.kslegislature.gov/b2025_26/bills/download/?apn=b2025_26/year2/ready_for_publication/hb_2334/hb2334_00_0000.pdf) - [Enrolled (PDF)](https://www.kslegislature.gov/b2025_26/bills/download/?apn=b2025_26/year2/ready_for_publication/hb_2334/hb2334_enrolled.pdf) - [{As Amended by Senate Committee of the Whole} (PDF)](https://www.kslegislature.gov/b2025_26/bills/download/?apn=b2025_26/year2/ready_for_publication/hb_2334/hb2334_03_0000.pdf) ## Related - [SB 430: Adding mitragynine to schedule I of the uniform controlled substances act and r…](https://policyrisk.com/state-bill/KS-SB430-2025-2026) - [SB 82: Providing tax credits for expenditures for lockable gun and ammunition storage…](https://policyrisk.com/state-bill/KS-SB82-2025-2026) - [SB 300: Providing for the apportionment of business income by manufacturers of alcoholi…](https://policyrisk.com/state-bill/KS-SB300-2025-2026) - [HB 2029: Reconciling multiple amendments to certain statutes.](https://policyrisk.com/state-bill/KS-HB2029-2025-2026) - [HB 2018: Senate Substitute for HB 2018 by Committee on Federal and State Affairs - Creat…](https://policyrisk.com/state-bill/KS-HB2018-2025-2026) - [HB 2530: Substitute for HB 2530 by Committee on Education - Providing for the transferab…](https://policyrisk.com/state-bill/KS-HB2530-2025-2026) - [Kansas bills](https://policyrisk.com/states/kansas/bills) - [Kansas state hub](https://policyrisk.com/states/kansas) - [All state legislation](https://policyrisk.com/state-bills) Source: PRIA, https://policyrisk.com/state-bill/KS-HB2334-2025-2026 (as of 2026-10-19).