All Roll Calls
Yes: 40 • No: 22
NevadaAB20483rd Regular Session (2025)HouseWALLET
AN ACT relating to medical debt; prohibiting certain actions by certain entities that provide health care and collection agencies to collect a medical debt; providing requirements for engaging in extraordinary collection actions to collect a medical debt; and providing other matters properly relating thereto.
Sponsored By: Max E. Carter II (Democratic)
Vetoed
BDR 52-135
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Bill Overview
Analyzed Economic Effects
5 provisions identified: 4 benefits, 0 costs, 1 mixed.
Financial help brings patients refunds and relief
Beginning January 1, 2026, health care entities and collectors must undo extraordinary collection actions when later-approved financial assistance eliminates medical debt. This also applies when the assistance would have eliminated the debt when collection began. They must remove related liens, attachments, and garnishments against the patient’s property. After eligible assistance is applied, they must refund payments above the remaining debt within 60 days. Patients cannot waive these rights.
Medical debt protections for homes and savings
Beginning January 1, 2026, Nevada health care entities and collection agencies cannot cause or threaten arrest over medical debt. They cannot place liens on property containing your primary home, foreclose on that home, or threaten either action. They also cannot take or threaten to take bank-account funds or garnish your federal income-tax refund. These protections cannot be waived and exclude credit-card charges and purely cosmetic surgery. They cover older and newer medical debt, including existing collection contracts, but do not undo actions taken before January 1, 2026.
Patients face capped fees and limited lawsuits
Beginning January 1, 2026, Nevada collection agencies and their staff cannot charge a collection or attorney fee above 5% of medical debt. The calculation excludes interest, late fees, collection costs, attorney fees, and other costs. They cannot file regular civil lawsuits for debts below Nevada’s statutory small-claims limit, using that same exclusions rule. Small-claims cases in justice court remain allowed. They also cannot obtain a confession of judgment or authority to admit liability or appear in court for the debtor.
Emergency pauses protect medical debt patients
Beginning January 1, 2026, health care entities and collectors must pause extraordinary medical-debt collection during qualifying emergencies. State emergencies, disasters, public health emergencies, or specified health events qualify when they affect any part of your Nevada county. Federal emergency, disaster, or public health declarations qualify while they have been in effect for less than 6 months. The legal time limit for recovering the debt also pauses, giving creditors more time to collect later. Patients cannot waive these protections.
Patients get time before serious debt collection
Beginning January 1, 2026, health care entities and collectors must wait 180 days after sending the first medical-debt bill. This wait covers extraordinary collection actions, including debt sales or transfers to collectors, court actions, wage garnishment, and credit-reporting threats or reports. They must give at least 30 days’ written notice naming the planned action and when it will begin. For medical-facility debt, the notice must explain whether financial help is available and summarize the facility’s assistance policy. Health care entities can use only extraordinary actions listed in their billing and collections policy; patients cannot waive these protections.
Sponsors & Cosponsors
Sponsor
Max E. Carter II
Democratic • House
Cosponsors
There are no cosponsors for this bill.
Roll Call Votes
Senate vote • 6/2/2025
Final Passage - Senate (4th Reprint)
Yes: 12 • No: 8
House vote • 5/29/2025
Final Passage - Assembly (3rd Reprint)
Yes: 28 • No: 14
Actions Timeline
Vetoed by the Governor.
6/10/2025legislatureEnrolled and delivered to Governor.
6/5/2025legislatureSenate Amendment No. 951 concurred in. To enrollment.
6/2/2025HouseIn Assembly.
6/2/2025HouseRead third time. Passed, as amended. Title approved, as amended. (Yeas: 12, Nays: 8, Excused: 1.) To Assembly.
6/2/2025SenateFrom printer. To re-engrossment. Re-engrossed. Fourth reprint.
6/1/2025SenateRead second time. Amended. (Amend. No. 951.) To printer.
6/1/2025SenatePlaced on Second Reading File.
6/1/2025SenateFrom committee: Amend, and do pass as amended.
6/1/2025SenateRead first time. Referred to Committee on Commerce and Labor. To committee.
5/29/2025SenateIn Senate.
5/29/2025SenateRead third time. Passed, as amended. Title approved, as amended. (Yeas: 28, Nays: 14.) To Senate.
5/29/2025HouseFrom printer. To reengrossment. Reengrossed. Third reprint.
5/29/2025HouseRead third time. Amended. (Amend. No. 808.) To printer.
5/28/2025HouseFrom printer. To reengrossment. Reengrossed. Second reprint.
5/28/2025HouseRead third time. Amended. (Amend. No. 798.) To printer.
5/27/2025HousePlaced on General File.
5/27/2025HouseFrom committee: Amend, and do pass as amended.
5/27/2025HouseTo committee.
4/23/2025HouseFrom printer. To engrossment. Engrossed. First reprint.
4/23/2025HouseTo printer.
4/21/2025HouseRereferred to Committee on Ways and Means. Exemption effective.
4/21/2025HouseTaken from General File.
4/21/2025HouseRead second time. Amended. (Amend. No. 444.)
4/21/2025HousePlaced on Second Reading File.
4/21/2025House
Bill Text
As Enrolled
As Introduced
Reprint 1
Reprint 2
Reprint 3
Reprint 4
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