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MarylandHB 04282025 Regular SessionHouse

Medical Debt - Complaints for Money Judgment and Real Property Liens

Sponsored By: Elizabeth Embry (Democratic)

Signed by Governor

Real PropertyCivil Actions and ProceduresCircuit CourtsContracts -see also- ProcurementCourts -see also- AppCt; Circuit; District; Orphans'; etc.DamagesDebt Collection -see also- Attachments and GarnishmentsDebt ManagementHealth -see also- COVID19; EnvHlth; MedCon; etc.JudgmentsLiensMedical Equipment and DevicesMedical TreatmentsResidential Property -see also- Apartments; Condominiums

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Bill Overview

Analyzed Economic Effects

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

Homeowners gain protection from medical debt liens

For complaints filed on or after October 1, 2025, Maryland bans home liens based on contracts to pay covered medical debt, including broken contracts. The protection covers residential property where an owner uses at least one unit as their primary home. Courts must remove liens that violate this ban. Covered debt is owed to a business mainly providing medical services, products, or devices, or its agent or assignee. Credit-card debt is excluded unless the credit plan is offered solely to pay for health care.

Medical debt lawsuits require home addresses

Beginning October 1, 2025, new Maryland complaints seeking a money judgment must say whether the debt is medical debt. For medical debt, the person filing must include the defendant's primary-home address. These requirements do not apply to complaints filed before that date.

Sponsors & Cosponsors

Sponsor

  • Elizabeth Embry

    Democratic • House

Cosponsors

  • Tiffany T. Alston

    Democratic • House

  • Attar

    Affiliation unavailable

  • Heather Bagnall

    Democratic • House

  • Harry Bhandari

    Democratic • House

  • Adrian Boafo

    Democratic • House

  • Regina T. Boyce

    Democratic • House

  • Lorig Charkoudian

    Democratic • House

  • Brian Chisholm

    Republican • House

  • Bonnie Cullison

    Democratic • House

  • Kris Fair

    Democratic • House

  • Jessica Feldmark

    Democratic • House

  • Catherine M. Forbes

    Democratic • House

  • Pam Lanman Guzzone

    Democratic • House

  • Terri L. Hill

    Democratic • House

  • Thomas S. Hutchinson

    Republican • House

  • Anne R. Kaiser

    Democratic • House

  • Aaron M. Kaufman

    Democratic • House

  • Kenneth Kerr

    Democratic • House

  • Lesley J. Lopez

    Democratic • House

  • Ashanti Martinez

    Democratic • House

  • Julie Palakovich Carr

    Democratic • House

  • Joseline A. Peña-Melnyk

    Democratic • House

  • Samuel I. Rosenberg

    Democratic • House

  • Sheila Ruth

    Democratic • House

  • Steve Johnson

    Democratic • House

  • Emily Shetty

    Democratic • House

  • Karen Simpson

    Democratic • House

  • Deni Taveras

    Democratic • House

  • Kym Taylor

    Democratic • House

  • Jen Terrasa

    Democratic • House

  • Jennifer White Holland

    Democratic • House

  • Greg Wims

    Democratic • House

  • Jamila J. Woods

    Democratic • House

  • Teresa Woorman

    Democratic • House

Roll Call Votes

All Roll Calls

Yes: 181 • No: 0

Senate vote • 4/2/2025

Third Reading Passed

Yes: 47 • No: 0

House vote • 2/27/2025

Third Reading Passed

Yes: 134 • No: 0

Actions Timeline

  1. Approved by the Governor - Chapter 498

    5/13/2025

  2. Returned Passed

    4/2/2025House

  3. Third Reading Passed (47-0)

    4/2/2025Senate

  4. Favorable Adopted Second Reading Passed

    3/27/2025Senate

  5. Favorable Report by Judicial Proceedings

    3/27/2025Senate

  6. Referred Judicial Proceedings

    2/28/2025Senate

  7. Third Reading Passed (134-0)

    2/27/2025House

  8. Second Reading Passed with Amendments

    2/25/2025House

  9. Favorable with Amendments {933822/1 Adopted

    2/25/2025House

  10. Favorable with Amendments Report by Health and Government Operations

    2/24/2025House

  11. Hearing 2/05 at 2:00 p.m.

    2/3/2025House

  12. Hearing canceled

    2/3/2025House

  13. Hearing 2/05 at 1:00 p.m.

    1/29/2025House

  14. First Reading Health and Government Operations

    1/16/2025House

Bill Text

  • Enacted

    5/13/2025

    PDF

  • Third Reading

    2/25/2025

    PDF

  • First Reading

    1/16/2025

    PDF

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