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OklahomaHB 3781Oklahoma 2026 Regular SessionHouse

Insurance; rate may not be excessive, inadequate or unfairly discriminatory; expiration; effective date.

Sponsored By: Stacy Jo Adams (Republican)

Signed by Governor

Senate Committee

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Bill Overview

Analyzed Economic Effects

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

No insurance pricing by race or religion

Insurers cannot set risk classes or rates based on race, color, creed, national origin, or religion. This ban applies to how premiums and minimum rates are set. The rule takes effect July 1, 2027.

Stronger review of insurance rate hikes

The Insurance Commissioner can find a filed rate excessive if an actuarial review shows it may create unreasonably high profit. The Commissioner must send a written objection and let the insurer respond before a final decision. The Commissioner can disapprove a filed rate by written order after notice and a chance for a hearing. An insurer has 30 days to request a hearing after disapproval. If a rate already in use fails the standards, the Commissioner can hold a hearing with at least 20 days’ written notice to every insurer and any advisory group that adopted it. After a hearing, the Commissioner must issue a written order within 30 days. The order must state the defects and set an effective date at least 30 business days later. Policies issued before that date are not affected. These rules apply beginning July 1, 2027.

Sponsors & Cosponsors

Sponsor

  • Stacy Jo Adams

    Republican • House

Cosponsors

  • Emily Gise

    Republican • House

  • Julia Kirt

    Democratic • Senate

  • Aaron Reinhardt

    Republican • Senate

  • Mark Tedford

    Republican • House

Roll Call Votes

All Roll Calls

Yes: 316 • No: 53

House vote • 5/6/2026

FOURTH READING

Yes: 73 • No: 11

Senate vote • 5/4/2026

THIRD READING

Yes: 39 • No: 6

Senate vote • 4/23/2026

Top_of_Page

Yes: 0 • No: 0

Senate vote • 4/23/2026

Committee vote: Business & Insurance

Yes: 8 • No: 0

House vote • 3/26/2026

THIRD READING

Yes: 81 • No: 14

House vote • 3/26/2026

Top_of_Page

Yes: 81 • No: 14

House vote • 3/5/2026

DO PASS

Yes: 10 • No: 3

House vote • 3/5/2026

DO PASS

Yes: 10 • No: 3

House vote • 2/17/2026

DO PASS

Yes: 7 • No: 1

House vote • 2/17/2026

DO PASS

Yes: 7 • No: 1

Actions Timeline

  1. Approved by Governor 05/12/2026

    5/12/2026House

  2. Sent to Governor

    5/6/2026House

  3. Enrolled measure signed, returned to House

    5/6/2026Senate

  4. Enrolled, signed, to Senate

    5/6/2026House

  5. Referred for enrollment

    5/6/2026House

  6. Fourth Reading, Measure passed: Ayes: 73 Nays: 11

    5/6/2026House

  7. SA's read, adopted

    5/6/2026House

  8. SA's received

    5/5/2026House

  9. Engrossed to House

    5/5/2026Senate

  10. Referred for engrossment

    5/4/2026Senate

  11. Measure passed: Ayes: 39 Nays: 6

    5/4/2026Senate

  12. Title restored

    5/4/2026Senate

  13. General Order, Amended

    5/4/2026Senate

  14. Coauthored by Senator Kirt

    5/4/2026Senate

  15. Placed on General Order

    4/28/2026Senate

  16. Emergency removed

    4/23/2026Senate

  17. Reported Do Pass, amended by committee substitute Business and Insurance committee; CR filed

    4/23/2026Senate

  18. Coauthored by Representative Tedford

    4/8/2026Senate

  19. Second Reading referred to Business and Insurance

    4/1/2026Senate

  20. First Reading

    3/30/2026Senate

  21. Engrossed, signed, to Senate

    3/30/2026House

  22. Referred for engrossment

    3/26/2026House

  23. Third Reading, Measure passed: Ayes: 81 Nays: 14

    3/26/2026House

  24. Title stricken

    3/26/2026House

  25. Amended

    3/26/2026House

Bill Text

  • Enrolled (final version)

    5/6/2026

    PDF

  • Amended And Engrossed

    5/5/2026

    PDF

  • Floor (Senate)

    4/27/2026

    PDF

  • Senate Committee Report

    4/23/2026

    PDF

  • Senate Committee Substitute for House Bill

    4/23/2026

    PDF

  • Engrossed

    3/30/2026

    PDF

  • Floor (House)

    3/9/2026

    PDF

  • House Committee Report

    3/5/2026

    PDF

  • House Committee Substitute

    3/5/2026

    PDF

  • House Policy Committee Report

    2/17/2026

    PDF

  • Introduced

    1/15/2026

    PDF

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