# Utah H.B. 23: Insurance Modifications Utah H.B. 23, Insurance Modifications, is a 2025 General Session House bill sponsored by James A. Dunnigan (Republican); status signed, last action 2025-03-25 (Governor Signed); PRIA reads it as touching household money (as of 2026-10-17). - Canonical: https://policyrisk.com/state-bill/UT-HB23-2025GS - As of: 2026-10-17 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: Utah H.B. 23 - State: Utah - Session: 2025 General Session - Title: Insurance Modifications - Status: signed - Chamber: House - Introduced: 2024-12-17 - Last action: 2025-03-25, Governor Signed - Sponsor: James A. Dunnigan (Republican) - Cosponsors: 1 - Subjects: Health Insurance, Insurance, Insurance Department, Business, Title and Escrow - Touches household money: yes - Roll calls: 22 (216 yes, 5 no in all) - Economic provisions PRIA read: 26 ## Summary No summary available. ## Bill overview: provisions PRIA read - New cancellation and renewal protections: benefit, medium. Beginning May 7, 2025, insurers cannot cancel policies covered by Utah’s cancellation rules solely because someone reaches the policy’s stated ending age. Other legal reasons for cancellation remain. Insurers using a specific process to end renewal rights must mail or deliver notice 14–45 days befo… - More groups can seek health coverage: benefit, medium. Beginning May 7, 2025, groups eligible for group life insurance under two Utah provisions can also qualify for accident and health group insurance. These groups must be formed and maintained in good faith for a purpose other than getting insurance. Eligibility does not guarantee a policy or a parti… - Health claim proof gets 180 days: benefit, low. Beginning May 7, 2025, accident and health policies must allow at least 180 days to submit written proof of loss. For claims involving periodic payments for continuing loss, the clock starts after the period the insurer must cover ends. For other claims, it starts on the date of loss. - Military families avoid adjuster license fees: benefit, low. Beginning May 7, 2025, service members stationed in Utah and their spouses are exempt from the adjuster license fee. Each applicant must hold a current license from a jurisdiction the Insurance Department recognizes and be in good standing there. The law does not state the waived fee amount. - Tax nonpayment alone stops triggering discipline: benefit, low. Beginning May 7, 2025, unpaid Utah income tax alone is no longer grounds to discipline an insurance licensee or applicant. Ignoring an administrative or court order to pay state income tax remains grounds for discipline. - Association captive insurers need less capital: benefit, low. Beginning May 7, 2025, association captive insurers seeking or holding Utah authorization face a lower capital minimum. The required total of unimpaired paid-in capital and surplus falls from $750,000 to $500,000. That reduces the stated minimum by $250,000. - Captive insurers can cover more risks: benefit, low. Beginning May 7, 2025, pure captives can insure controlled unaffiliated businesses, alongside their parents and affiliates. Association captives, sponsored captives, and sponsored captive cells can also cover risks of controlled unaffiliated businesses. Sponsored captive participants are no longer… - Captive insurers gain business structure options: benefit, low. Beginning May 7, 2025, Utah recognizes agency captives owned by business entities licensed as insurance producers or managing general agents. Agency captives can insure only risks on policies placed through their owners. Recognized pooling captives share risk among captives and can directly insure… - Sponsored captives gain flexible cell structures: benefit, low. Beginning May 7, 2025, Utah recognizes incorporated cells as separate participant accounts organized as corporations, limited liability companies, or nonprofits. The law also recognizes unincorporated protected cells. Sponsored captives can combine both cell types with the commissioner's prior appr… - Title licensing needs fewer commission approvals: benefit, low. Beginning May 7, 2025, the insurance commissioner can issue or renew title insurance licenses without Title and Escrow Commission concurrence. The commissioner implements title insurance laws unless a specific law assigns authority to the commission. When required concurrence cannot be reached, the… - Small employers face tighter stop-loss limits: cost, medium. Beginning July 1, 2025, small-employer stop-loss contracts require at least 10 enrolled employees. Stop-loss insurance protects employers against health plan claims above set thresholds. The annual per-person threshold rises from $10,000 to at least $25,000. The annual total-claims threshold rises… - Insurance professionals face broader conduct oversight: cost, low. Beginning May 7, 2025, insurance licensees must immediately report judgments or injunctions based on conduct involving payment of money. Licensees and applicants face discipline when more than 60 days past due on a final judgment. The judgment no longer needs to be described as enforceable. Discipl… - Captive insurers face fees and enforcement: cost, low. Beginning May 7, 2025, sponsored captive cells owe nonrefundable application, initial certificate-year, and renewal fees set by the Insurance Department. Captives can lose their authority for unpaid annual fees, examination costs, or other prescribed insurance fees. The commissioner must find a lis… - Captive insurers face stronger management rules: cost, low. Beginning May 7, 2025, captive insurers must have at least three different principal officers. Their duties must match those of a president, treasurer, and secretary. Applicants to operate sponsored captive insurers must explain how they will track each cell’s financial history, losses, and expense… - Older title businesses face capital requirements: cost, low. Beginning May 7, 2025, the law revises capital and net-worth calculations for title entities licensed before May 14, 2019. Required rates are 2.5% for 2024, 3% for 2025, 3.5% for 2026, 4% for 2027, and 4.5% for 2028. These rates apply to average annual gross revenue over the preceding two calendar… - Title businesses pay statutory enforcement assessments: cost, low. Beginning May 7, 2025, statutory calculations govern annual title insurance enforcement assessments rather than commission determination after consultation. Office assessments remain capped at $250 for the first office in a county and $150 for each additional office. Title insurers also pay a share… - Reinstatement rights for individual life policies: mixed, medium. Beginning May 7, 2025, the legal requirement to restore lapsed life coverage applies only to individual policies. Insurers must restore eligible policies after a written application within three years of premium default. The deadline is two years for policies with a face amount under $5,000. Applic… - Translated insurance policies, but English controls: mixed, low. Beginning May 7, 2025, insurers can provide policies and related materials in languages other than English for Utah customers. Insurers must certify that translated policies come from English policies that comply with Utah law. Translated policies, endorsements, and riders must include matching Eng… - Public insurance funds gain legal protections: mixed, low. Beginning May 7, 2025, qualifying public agency insurance funds receive governmental status, rights, and immunity protections. These funds must be established by political subdivisions to cover losses to their assets for legally authorized purposes. They are exempt from most Insurance Code rules, b… - Insurance applicants gain waivers, face checks: mixed, low. Beginning May 7, 2025, qualifying nonresident applicants receive a waiver of specified Utah insurance licensing requirements. They must hold a current home-state or designated-home-state license in good standing, apply, pay fees, and accept Utah jurisdiction. The Insurance Department can require cr… - Captive cells gain options, face duties: mixed, low. Beginning May 7, 2025, the sponsored captive, rather than its sponsor, must front insurance business for protected cells. It can use a controlled unaffiliated contract or an eligible insurer, subject to applicable authorization, reinsurance, or trust-security requirements. Incorporated cells can in… - Captive dormancy expands but excludes some: mixed, low. Beginning May 7, 2025, industrial insured captives and sponsored captive cells cannot receive dormancy certificates. Other eligible captives must stop insurance business and have no remaining insurance liabilities or obligations. The commissioner can disregard liabilities or obligations that are su… - Captive insurers gain loans, face safeguards: mixed, low. Beginning May 7, 2025, each sponsored captive cell's assets can pay only that cell's claims and expenses, not other obligations. The sponsored captive's own capital and surplus cannot pay cell claims or expenses. Captive capital or surplus distributions need prior commissioner approval, and ongoing… - Captive investments gain flexibility and oversight: mixed, low. Beginning May 7, 2025, captive insurers, including industrial insured captives, must follow Utah insurance investment rules unless an exception applies. Surplus above required minimum capital can be invested outside the usual authorized classes, but illegal or otherwise prohibited investments remai… - Sponsored captives gain limited funding flexibility: mixed, low. Beginning May 7, 2025, one or more sponsors or participants can provide a sponsored captive's required capital and surplus. Contributions must still meet the legal minimum. An approved sponsor can provide all or part of the required amount. A sponsor can provide more than the statutory amount only… - Title agents face limits on roles: mixed, low. Beginning May 7, 2025, individual title licensees cannot conduct title business while conducting business under specified mortgage, real estate, or appraiser credentials. The law also removes two specific disciplinary grounds for dual-licensed title licensees. Those grounds covered providing title… ## Sponsors and cosponsors - Sponsor: James A. Dunnigan (Republican), House - Cosponsor: Evan J. Vickers (Republican), Senate ## Roll call votes | Date | Chamber | Motion | Result | Yes | No | Other | | --- | --- | --- | --- | --- | --- | --- | | 2025-02-28 | House | House/ concurs with Senate amendment | pass | 65 | 0 | | | 2025-02-27 | Senate | Senate/ passed 3rd reading | pass | 21 | 2 | | | 2025-02-27 | Senate | Senate/ uncircled | fail | 0 | 0 | | | 2025-02-26 | Senate | Senate/ floor amendment | fail | 0 | 0 | | | 2025-02-26 | Senate | Senate/ circled | fail | 0 | 0 | | | 2025-02-20 | Senate | Senate/ passed 2nd reading | pass | 21 | 2 | | | 2025-02-14 | Senate | Senate Comm - Favorable Recommendation | pass | 7 | 0 | | | 2025-02-14 | Senate | Senate Comm - Substitute Recommendation | pass | 7 | 0 | | | 2025-02-10 | House | House/ passed 3rd reading | pass | 74 | 0 | | | 2025-02-10 | House | House/ circled | fail | 0 | 0 | | | 2025-02-10 | House | House/ uncircled | fail | 0 | 0 | | | 2025-02-10 | House | House/ floor amendment | fail | 0 | 0 | | | 2025-02-10 | House | House/ floor amendment | fail | 0 | 0 | | | 2025-01-31 | House | House Comm - Favorable Recommendation | pass | 10 | 1 | | | 2025-01-31 | House | House Comm - Substitute Recommendation | pass | 11 | 0 | | | | House | House/ circled | fail | 0 | 0 | | | | Senate | Senate/ uncircled | fail | 0 | 0 | | | | Senate | Senate/ circled | fail | 0 | 0 | | | | Senate | Senate/ floor amendment | fail | 0 | 0 | | | | House | House/ floor amendment | fail | 0 | 0 | | | | House | House/ floor amendment | fail | 0 | 0 | | | | House | House/ uncircled | fail | 0 | 0 | | ## Actions (48) - 2025-03-25: Governor Signed - 2025-03-12: House/ to Governor (House) - 2025-03-12: House/ received enrolled bill from Printing (House) - 2025-03-07: House/ enrolled bill to Printing (House) - 2025-03-07: Enrolled Bill Returned to House or Senate - 2025-03-04: Draft of Enrolled Bill Prepared - 2025-03-04: Bill Received from House for Enrolling - 2025-03-03: House/ signed by Speaker/ sent for enrolling (House) - 2025-03-03: House/ received from Senate (House) - 2025-03-03: Senate/ to House (Senate) - 2025-03-03: Senate/ signed by President/ returned to House (Senate) - 2025-03-03: Senate/ received from House (Senate) - 2025-02-28: House/ to Senate (House) - 2025-02-28: House/ concurs with Senate amendment (House) - 2025-02-27: House/ placed on Concurrence Calendar (House) - 2025-02-27: House/ received from Senate (House) - 2025-02-27: Senate/ to House with amendments (Senate) - 2025-02-27: Senate/ passed 3rd reading (Senate) - 2025-02-27: Senate/ uncircled (Senate) - 2025-02-26: Senate/ circled (Senate) - 2025-02-26: Senate/ floor amendment (Senate) - 2025-02-20: Senate/ placed on 3rd Reading Calendar table (Senate) - 2025-02-20: Senate/ 3rd reading (Senate) - 2025-02-20: Senate/ passed 2nd reading (Senate) - 2025-02-20: Senate/ 2nd reading (Senate) - 2025-02-18: Senate/ placed on 2nd Reading Calendar (Senate) - 2025-02-18: Senate/ comm rpt/ substituted (Senate) - 2025-02-14: Senate Comm - Favorable Recommendation (Senate) - 2025-02-14: Senate Comm - Substitute Recommendation (Senate) - 2025-02-11: Senate/ to standing committee (Senate) - 2025-02-11: Senate/ 1st reading (Introduced) (Senate) - 2025-02-11: Senate/ received from House (Senate) - 2025-02-10: House/ to Senate (House) - 2025-02-10: House/ passed 3rd reading (House) - 2025-02-10: House/ floor amendment (House) - 2025-02-10: House/ floor amendment (House) - 2025-02-10: House/ uncircled (House) - 2025-02-10: House/ circled (House) - 2025-02-10: House/ 3rd reading (House) - 2025-02-03: House/ 2nd reading (House) - 2025-02-03: House/ comm rpt/ substituted (House) - 2025-01-31: House Comm - Favorable Recommendation (House) - 2025-01-31: House Comm - Substitute Recommendation (House) - 2025-01-27: House/ to standing committee (House) - 2025-01-22: House/ received fiscal note from Fiscal Analyst (House) - 2025-01-21: House/ 1st reading (Introduced) (House) - 2025-01-15: House/ received bill from Legislative Research (House) - 2024-12-17: Numbered Bill Publicly Distributed ## Bill text - Enrolled, 2025-03-07: [PDF](https://le.utah.gov/Session/2025/bills/enrolled/HB0023.pdf) - Amended 2/26/2025 12:33:000, 2025-02-26: [PDF](https://le.utah.gov/Session/2025/bills/amended/AV_HB0023S02_2025-02-26_12-33-00.pdf) - Substitute #2, 2025-02-13: [PDF](https://le.utah.gov/Session/2025/bills/introduced/HB0023S02.pdf) - Amended 2/10/2025 15:02:659, 2025-02-10: [PDF](https://le.utah.gov/Session/2025/bills/amended/AV_HB0023S01_2025-02-10_15-19-11.pdf) - Substitute #1, 2025-01-31: [PDF](https://le.utah.gov/Session/2025/bills/introduced/HB0023S01.pdf) - Introduced, 2024-12-17: [PDF](https://le.utah.gov/Session/2025/bills/introduced/HB0023.pdf) ## Related bills - S.B. 199: Guardianship Amendments (signed) - H.B. 562: Law Enforcement and Criminal Justice Amendments (signed) - H.B. 493: Medical Examiner Amendments (signed) - H.B. 482: Health and Human Services Reporting Requirements (signed) - S.B. 197: Property Tax Amendments (vetoed) - S.B. 3: Appropriations Adjustments (signed) ## Sources - [Enrolled (PDF)](https://le.utah.gov/Session/2025/bills/enrolled/HB0023.pdf) - [Amended 2/26/2025 12:33:000 (PDF)](https://le.utah.gov/Session/2025/bills/amended/AV_HB0023S02_2025-02-26_12-33-00.pdf) - [Substitute #2 (PDF)](https://le.utah.gov/Session/2025/bills/introduced/HB0023S02.pdf) - [Amended 2/10/2025 15:02:659 (PDF)](https://le.utah.gov/Session/2025/bills/amended/AV_HB0023S01_2025-02-10_15-19-11.pdf) - [Substitute #1 (PDF)](https://le.utah.gov/Session/2025/bills/introduced/HB0023S01.pdf) - [Introduced (PDF)](https://le.utah.gov/Session/2025/bills/introduced/HB0023.pdf) ## Related - [S.B. 199: Guardianship Amendments](https://policyrisk.com/state-bill/UT-SB199-2025GS) - [H.B. 562: Law Enforcement and Criminal Justice Amendments](https://policyrisk.com/state-bill/UT-HB562-2025GS) - [H.B. 493: Medical Examiner Amendments](https://policyrisk.com/state-bill/UT-HB493-2025GS) - [H.B. 482: Health and Human Services Reporting Requirements](https://policyrisk.com/state-bill/UT-HB482-2025GS) - [S.B. 197: Property Tax Amendments](https://policyrisk.com/state-bill/UT-SB197-2025GS) - [S.B. 3: Appropriations Adjustments](https://policyrisk.com/state-bill/UT-SB3-2025GS) - [Utah bills](https://policyrisk.com/states/utah/bills) - [Utah state hub](https://policyrisk.com/states/utah) - [All state legislation](https://policyrisk.com/state-bills) Source: PRIA, https://policyrisk.com/state-bill/UT-HB23-2025GS (as of 2026-10-17).