# Nebraska LB326: Change provisions relating to the Unfair Insurance Trade Practices Act, the Nebraska Property and Liability Insurance Guaranty Association Act, and mutual insurance holding companies and eliminate the provisions of the Health Insurance Access Act and the Health Care Purchasing Pool Act Nebraska LB326, Change provisions relating to the Unfair Insurance Trade Practices Act, the Nebraska Property and Liability Insurance Guaranty Association Act, and mutual insurance holding companies and eliminate the provisions of the Health Insurance Access Act and the Health Care Purchasing Pool Act, is a 109th Legislature 1st and 2nd Sessions legislature bill sponsored by Mike Jacobson; status signed, last action 2025-04-14 (Approved by Governor on April 14, 2025); PRIA reads it as touching household money (as of 2026-10-17). - Canonical: https://policyrisk.com/state-bill/NE-LB326-109 - As of: 2026-10-17 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: Nebraska LB326 - State: Nebraska - Session: 109th Legislature 1st and 2nd Sessions - Title: Change provisions relating to the Unfair Insurance Trade Practices Act, the Nebraska Property and Liability Insurance Guaranty Association Act, and mutual insurance holding companies and eliminate the provisions of the Health Insurance Access Act and the Health Care Purchasing Pool Act - Status: signed - Chamber: legislature - Introduced: 2025-01-16 - Last action: 2025-04-14, Approved by Governor on April 14, 2025 - Sponsor: Mike Jacobson - Cosponsors: 0 - Subjects: Banking, Commerce and Insurance Committee - Touches household money: yes - Roll calls: 4 (142 yes, 0 no in all) - Economic provisions PRIA read: 4 ## Summary No summary available. ## Bill overview: provisions PRIA read - Health access and pool laws repealed: cost, medium. The law repeals the Health Insurance Access Act and the Health Care Purchasing Pool Act. This ends the statutory authority for those programs and any state-run options they created. People and small employers who relied on them lose those state-run options. - New limits and help after insurer failure: mixed, high. The law clarifies what the Nebraska insurance guaranty association pays when an insurer fails. Most covered claims are capped at $300,000 per claim, unearned premium refunds at $10,000 per policy, and cybersecurity losses at $300,000 total per event. You must first use any other insurance or govern… - New rules for health insurance lead sellers: mixed, medium. The law defines health insurance lead generators and the marketing tools they use. These businesses, plus more insurer types, are now covered by Nebraska’s unfair insurance trade rules. Lead generators must keep full sales call recordings and marketing and complaint records for the current year and… - Yearly reports for mutual insurers: mixed, low. Mutual insurance holding companies must file annual financial statements by March 1. They must also file a confidential notice if they plan to encumber assets. An independent CPA audit for the prior year is due by June 1. ## Sponsors and cosponsors - Sponsor: Mike Jacobson, Senate ## Roll call votes | Date | Chamber | Motion | Result | Yes | No | Other | | --- | --- | --- | --- | --- | --- | --- | | 2025-04-10 | legislature | Final Reading | pass | 47 | 0 | 2 | | 2025-03-28 | legislature | Vote | fail | 34 | 0 | 15 | | 2025-03-12 | legislature | Vote | fail | 27 | 0 | 22 | | | legislature | Vote | fail | 34 | 0 | 15 | ## Actions (15) - 2025-04-14: Approved by Governor on April 14, 2025 (legislature) - 2025-04-10: Presented to Governor on April 10, 2025 (legislature) - 2025-04-10: President/Speaker signed (legislature) - 2025-04-10: Passed on Final Reading 47-0-2 (legislature) - 2025-04-10: Dispensing of reading at large approved (legislature) - 2025-04-08: Placed on Final Reading (legislature) - 2025-03-28: Advanced to Enrollment and Review for Engrossment (legislature) - 2025-03-28: Hallstrom AM836 adopted (legislature) - 2025-03-27: Hallstrom AM836 filed (legislature) - 2025-03-25: Placed on Select File (legislature) - 2025-03-12: Advanced to Enrollment and Review Initial (legislature) - 2025-02-18: Placed on General File (legislature) - 2025-01-27: Notice of hearing for February 11, 2025 (legislature) - 2025-01-21: Referred to Banking, Commerce and Insurance Committee (legislature) - 2025-01-16: Date of introduction (legislature) ## Bill text - Introduced, 2025-01-16: [PDF](https://nebraskalegislature.gov/FloorDocs/109/PDF/Intro/LB326.pdf) - Enrolled / Slip Law: [PDF](https://nebraskalegislature.gov/FloorDocs/109/PDF/Slip/LB326.pdf) - Final / Enacted: [PDF](https://nebraskalegislature.gov/FloorDocs/109/PDF/Final/LB326.pdf) ## Related bills - LB468: Change provisions relating to inheritance taxes, change certain fee and tax provisions, and eliminate a sales tax exemption relating to data centers (failed) - LB13: Require the Department of Health and Human Services to file a state plan amendment relating to child care (failed) - LB677: Change provisions of the Nebraska Medical Cannabis Regulation Act and provide for regulation of medical cannabis (failed) - LB170: Eliminate the sales tax exemptions for candy and soft drinks (failed) - LB646: Provide an exemption from brand inspections and change fees under the Livestock Brand Act (failed) - LB714: Change provisions relating to motor vehicle taxes and fees (failed) ## Sources - [Introduced (PDF)](https://nebraskalegislature.gov/FloorDocs/109/PDF/Intro/LB326.pdf) - [Enrolled / Slip Law (PDF)](https://nebraskalegislature.gov/FloorDocs/109/PDF/Slip/LB326.pdf) - [Final / Enacted (PDF)](https://nebraskalegislature.gov/FloorDocs/109/PDF/Final/LB326.pdf) ## Related - [LB468: Change provisions relating to inheritance taxes, change certain fee and tax pro…](https://policyrisk.com/state-bill/NE-LB468-109) - [LB13: Require the Department of Health and Human Services to file a state plan amendm…](https://policyrisk.com/state-bill/NE-LB13-109) - [LB677: Change provisions of the Nebraska Medical Cannabis Regulation Act and provide f…](https://policyrisk.com/state-bill/NE-LB677-109) - [LB170: Eliminate the sales tax exemptions for candy and soft drinks](https://policyrisk.com/state-bill/NE-LB170-109) - [LB646: Provide an exemption from brand inspections and change fees under the Livestock…](https://policyrisk.com/state-bill/NE-LB646-109) - [LB714: Change provisions relating to motor vehicle taxes and fees](https://policyrisk.com/state-bill/NE-LB714-109) - [Nebraska bills](https://policyrisk.com/states/nebraska/bills) - [Nebraska state hub](https://policyrisk.com/states/nebraska) - [All state legislation](https://policyrisk.com/state-bills) Source: PRIA, https://policyrisk.com/state-bill/NE-LB326-109 (as of 2026-10-17).