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TennesseeSB 1270114th General Assembly (2025-2026)Senate

AN ACT to amend Tennessee Code Annotated, Title 56 and Section 68-1-115, relative to insurance.

Sponsored By: Sponsor information unavailable

Signed by Governor

Insurance Companies, Agents, Brokers, Policies

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Bill Overview

Analyzed Economic Effects

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

Commercial coverage preserves farms’ agricultural status

Beginning January 1, 2026, state agencies cannot use commercial insurance coverage when deciding whether farming property qualifies as agricultural property. This protects farm risks and real or personal property used in farming under other Tennessee laws or rules. The change applies to plans and policies issued, delivered, amended, or renewed on or after that date. It does not set insurance prices or change policy terms.

Employers gain health plan claims reports

Effective upon enactment, health plan issuers must provide written claims reports within 30 days of a written request. Covered plans, plan sponsors, and plan administrators can request them. Plans qualify with at least 50 participants or an administrator other than the employer that established and maintains the plan. Reports cover the shortest of three periods: the previous 36 months, the full coverage period, or the requested period. Available, relevant information must include monthly paid medical, dental, and pharmacy claims, plus premiums or premium equivalents. Reports also include monthly employee counts by coverage tier and aggregate claims exceeding $75,000. Coverage tiers separate employees alone, with dependents, with spouses, and with both spouses and dependents. Requests after coverage ends include information available when requested. A report requested before coverage ends triggers a supplemental update within 30 days after termination. HIPAA limits information use, and federal ERISA law can override this requirement. Lawful releases receive protection from specified civil or criminal liability and breach-of-duty claims, unless otherwise prohibited by law. The law does not set premiums or employee contributions.

Tennessee removes eleven insurance code sections

Effective upon enactment, the law repeals Tennessee insurance-code sections 56-7-2312 through 56-7-2322. The provided text does not explain what those sections covered. Their effects on households, insurance practices, and insurers cannot be determined from the available information.

Insurers gain protections and added conditions

Beginning July 1, 2025, the insurance commissioner cannot remove jurisdictions meeting the definitions in T.C.A. § 56-2-208(b)(8)(A)(ii)(a) or (b) from the reciprocal-jurisdiction list. Qualifying letters of credit used as reinsurance security remain acceptable if their financial institution later fails issuer standards. The letter must have met those standards when issued or confirmed and be clean, irrevocable, and unconditional. A qualified U.S. financial institution must issue or confirm it by December 31 of the filing year. The insurer transferring risk must possess it, or have it held in trust, by the annual-statement filing date. Continued acceptance ends at the first expiration, extension, renewal, modification, or amendment. Entities covered by T.C.A. § 56-2-209(g)(4) must also meet the conditions in § 56-2-208(b)(8). The provided text does not identify those entities or explain the consequences of failing those conditions. These rules do not directly change household benefits or prices.

Sponsors & Cosponsors

Sponsors

There is no primary sponsor on record.

Cosponsors

There are no cosponsors for this bill.

Roll Call Votes

All Roll Calls

Yes: 134 • No: 0

House vote • 3/27/2025

FLOOR VOTE: REGULAR CALENDAR PASSAGE ON THIRD CONSIDERATION 3/27/2025

Yes: 95 • No: 0

Senate vote • 3/13/2025

FLOOR VOTE: as Amended Third Consideration 3/13/2025

Yes: 32 • No: 0

Senate vote • 3/4/2025

SENATE COMMERCE AND LABOR COMMITTEE

Yes: 7 • No: 0

Actions Timeline

  1. Effective date(s) 04/11/2025, 07/01/2025, 01/01/2026

    5/2/2025

  2. Pub. Ch. 183

    5/2/2025

  3. Signed by Governor.

    4/11/2025Senate

  4. Transmitted to Governor for action.

    4/2/2025Senate

  5. Signed by H. Speaker

    4/2/2025House

  6. Signed by Senate Speaker

    4/1/2025Senate

  7. Enrolled and ready for signatures

    3/28/2025Senate

  8. Passed H., Ayes 95, Nays 0, PNV 1

    3/27/2025House

  9. Am. withdrawn. (Amendment 1 - HA0077)

    3/27/2025House

  10. Subst. for comp. HB.

    3/27/2025House

  11. Rcvd. from S., held on H. desk.

    3/17/2025House

  12. Engrossed; ready for transmission to House

    3/13/2025Senate

  13. Passed Senate as amended, Ayes 32, Nays 0

    3/13/2025Senate

  14. Senate adopted Amendment (Amendment 1 - SA0070)

    3/13/2025Senate

  15. Placed on Senate Regular Calendar for 3/13/2025

    3/11/2025Senate

  16. Recommended for passage with amendment/s, refer to Senate Calendar Committee Ayes 7, Nays 0 PNV 0

    3/4/2025Senate

  17. Placed on Senate Commerce and Labor Committee calendar for 3/4/2025

    2/25/2025Senate

  18. Placed on Senate Commerce and Labor Committee calendar for 3/4/2025

    2/25/2025Senate

  19. Passed on Second Consideration, refer to Senate Commerce and Labor Committee

    2/12/2025Senate

  20. Introduced, Passed on First Consideration

    2/10/2025Senate

  21. Filed for introduction

    2/6/2025Senate

Bill Text

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