# Kentucky HB 184: AN ACT relating to insurance. Kentucky HB 184, AN ACT relating to insurance., is a 2025 Regular Session House bill sponsored by Mike Clines (Republican); status signed, last action 2025-03-24 (signed by Governor (Acts Ch. 67)) (as of 2026-10-19). - Canonical: https://policyrisk.com/state-bill/KY-HB184-2025RS - As of: 2026-10-19 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: Kentucky HB 184 - State: Kentucky - Session: 2025 Regular Session - Title: AN ACT relating to insurance. - Status: signed - Chamber: House - Introduced: 2025-01-09 - Last action: 2025-03-24, signed by Governor (Acts Ch. 67) - Sponsor: Mike Clines (Republican) - Cosponsors: 0 - Subjects: Claims, Insurance, Securities, Bankruptcy, Banks and Financial Institutions - Touches household money: no - Roll calls: 3 (218 yes, 0 no in all) - Economic provisions PRIA read: 5 ## Summary No summary available. ## Bill overview: provisions PRIA read - More time to test insurance innovations: benefit, low. Eligible applicants now have until December 31, 2030, instead of December 31, 2025, to apply to Kentucky’s insurance sandbox. The sandbox allows limited tests of new insurance products and processes under state oversight. The extension does not itself provide household payments or change applicatio… - Agents face insurer asset transfer rules: mixed, low. After receiving notice of liquidation, insurance agents must transfer insurer assets to the liquidator within 30 days. This covers assets held on the liquidation date or received afterward. The duty is subject to the law’s financial-contract protections and a separate statutory exception. Agents mu… - Financial contract rights survive insurer distress: mixed, low. Parties to covered insurer financial contracts retain enforceable rights to end contracts, collect collateral, and settle balances during insolvency proceedings. Court pauses, liquidator powers, and debt-offset restrictions must respect these protections. Netting or debt offsets require the counter… - Insurer contract rejection limits damage claims: mixed, low. A receiver rejecting a covered financial agreement must reject the whole agreement and all related transactions together. The counterparty’s claim is treated as arising before the liquidation or rehabilitation petition. If rehabilitation becomes liquidation, the claim dates to before the rehabilita… - Insurer contract transfers gain new protections: mixed, low. A receiver transferring covered financial contracts must move all contracts involving the same counterparty and its affiliates together, including collateral and guarantees. The new holder cannot be an insurer in delinquency proceedings. The receiver must make best efforts to notify counterparties… ## Sponsors and cosponsors - Sponsor: Mike Clines (Republican), House ## Roll call votes | Date | Chamber | Motion | Result | Yes | No | Other | | --- | --- | --- | --- | --- | --- | --- | | 2025-03-14 | Senate | passed | pass | 89 | 0 | | | 2025-03-13 | Senate | 3rd reading, passed | pass | 36 | 0 | | | 2025-02-18 | House | 3rd reading, passed | pass | 93 | 0 | | ## Actions (24) - 2025-03-24: signed by Governor (Acts Ch. 67) - 2025-03-14: delivered to Governor - 2025-03-14: enrolled, signed by President of the Senate (Senate) - 2025-03-14: enrolled, signed by Speaker of the House (Senate) - 2025-03-14: passed 89-0 (Senate) - 2025-03-14: House concurred in Senate amendment Committee Substitute (1) and Committee Amendment (1-title) (Senate) - 2025-03-14: placed in the Orders of the Day (House) - 2025-03-14: taken from Rules (House) - 2025-03-14: to Rules (H) (House) - 2025-03-14: received in House (House) - 2025-03-13: 3rd reading, passed 36-0 with Committee Substitute (1) and Committee Amendment (1-title) (Senate) - 2025-03-12: posted for passage in the Regular Orders of the Day for Thursday, March 13, 2025 (Senate) - 2025-03-12: 2nd reading, to Rules (Senate) - 2025-03-11: reported favorably, 1st reading, to Calendar with Committee Substitute (1) and Committee Amendment (1-title) (Senate) - 2025-02-21: to Banking & Insurance (S) (Senate) - 2025-02-19: to Committee on Committees (S) (Senate) - 2025-02-19: received in Senate (Senate) - 2025-02-18: 3rd reading, passed 93-0 (House) - 2025-02-14: posted for passage in the Regular Orders of the Day for Tuesday, February 18, 2025 (House) - 2025-02-13: 2nd reading, to Rules (House) - 2025-02-12: reported favorably, 1st reading, to Calendar (House) - 2025-02-04: to Banking & Insurance (H) (House) - 2025-01-09: to Committee on Committees (H) (House) - 2025-01-09: introduced in House (House) ## Bill text - Current, 2025-03-14: [PDF](https://apps.legislature.ky.gov/recorddocuments/bill/25RS/hb184/bill.pdf) - Introduced, 2025-02-18: [PDF](https://apps.legislature.ky.gov/recorddocuments/bill/25RS/hb184/orig_bill.pdf) ## Related bills - HB 501: AN ACT relating to pharmaceutical drugs. (became law) - HB 664: AN ACT relating to the operation of a motor vehicle and declaring an emergency. (signed) - HB 606: AN ACT relating to economic development. (signed) - HB 421: AN ACT relating to colorectal cancer screenings. (signed) - HB 555: AN ACT relating to local government financial practices. (signed) - HB 493: AN ACT relating to the towing and storage of motor vehicles. (signed) ## Sources - [Current (PDF)](https://apps.legislature.ky.gov/recorddocuments/bill/25RS/hb184/bill.pdf) - [Introduced (PDF)](https://apps.legislature.ky.gov/recorddocuments/bill/25RS/hb184/orig_bill.pdf) ## Related - [HB 501: AN ACT relating to pharmaceutical drugs.](https://policyrisk.com/state-bill/KY-HB501-2025RS) - [HB 664: AN ACT relating to the operation of a motor vehicle and declaring an emergency.](https://policyrisk.com/state-bill/KY-HB664-2025RS) - [HB 606: AN ACT relating to economic development.](https://policyrisk.com/state-bill/KY-HB606-2025RS) - [HB 421: AN ACT relating to colorectal cancer screenings.](https://policyrisk.com/state-bill/KY-HB421-2025RS) - [HB 555: AN ACT relating to local government financial practices.](https://policyrisk.com/state-bill/KY-HB555-2025RS) - [HB 493: AN ACT relating to the towing and storage of motor vehicles.](https://policyrisk.com/state-bill/KY-HB493-2025RS) - [Kentucky bills](https://policyrisk.com/states/kentucky/bills) - [Kentucky state hub](https://policyrisk.com/states/kentucky) - [All state legislation](https://policyrisk.com/state-bills) Source: PRIA, https://policyrisk.com/state-bill/KY-HB184-2025RS (as of 2026-10-19).