# Virginia SB745: Health insurance; definitions, prohibited restrictions on in-network referrals.

Virginia SB745, Health insurance; definitions, prohibited restrictions on in-network referrals., is a 2026 Regular Session Senate bill sponsored by Kannan Srinivasan (Democratic); status signed, last action 2026-04-06 (Acts of Assembly Chapter text (CHAP0139)); PRIA reads it as touching household money (as of 2026-10-12).

- Canonical: https://policyrisk.com/state-bill/VA-SB745-2026
- As of: 2026-10-12
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: Virginia SB745
- State: Virginia
- Session: 2026 Regular Session
- Title: Health insurance; definitions, prohibited restrictions on in-network referrals.
- Status: signed
- Chamber: Senate
- Introduced: 2026-01-19
- Last action: 2026-04-06, Acts of Assembly Chapter text (CHAP0139)
- Sponsor: Kannan Srinivasan (Democratic)
- Cosponsors: 0
- Touches household money: yes
- Roll calls: 9 (268 yes, 0 no in all)
- Economic provisions PRIA read: 4

## Summary

Health insurance; prohibited restrictions on in-network referrals. Prohibits a health insurance carrier from prohibiting an in-network provider, as defined in the bill, from referring any enrollee or specimen to any in-network clinical laboratory or in-network pathology service provider under the terms of such insurance unless such referral would constitute a violation of certain laws. This bill is identical to HB 424.

## Bill overview: provisions PRIA read

- HMOs can deny out-of-area employees: cost, low. An employer’s HMO plan does not have to enroll you if you live outside the HMO’s service area. Check your home address against the plan’s service area before you choose that option.
- Rules for Medicaid and CHIP HMOs: mixed, medium. If you get Medicaid or CHIP through the Department of Medical Assistance Services, the HMO plans for those programs follow this chapter and a short listed set of insurance rules. Other insurance rules in Title 38.2 do not apply to those HMOs. This clarifies which rules govern plan features and comp…
- How Virginia HMOs are regulated: mixed, medium. HMOs are mainly governed by this chapter and a few listed insurance sections; most other insurance laws do not apply to them. When a listed section says “insurer,” it also includes HMOs unless the section already names them. HMOs may market and solicit enrollees without that being treated as illega…
- In-network lab referrals protected, new dispute path: mixed, low. The law bars health insurers from stopping an in-network doctor from sending you or your specimen to any in-network lab or pathology provider your plan covers. This applies to individual, group, and state employee health plans. Referrals are still not allowed if they would break Virginia’s Practiti…

## Sponsors and cosponsors

- Sponsor: Kannan Srinivasan (Democratic), Senate

## Roll call votes

| Date | Chamber | Motion | Result | Yes | No | Other |
| --- | --- | --- | --- | --- | --- | --- |
| 2026-02-24 | House | Passed House Block Vote | pass | 98 | 0 |   |
| 2026-02-19 | House | Reported from Labor and Commerce | pass | 20 | 0 |   |
| 2026-02-10 | Senate | Constitutional reading dispensed Block Vote (on 3rd reading) | pass | 40 | 0 |   |
| 2026-02-10 | Senate | Commerce and Labor Substitute agreed to | pass | 0 | 0 |   |
| 2026-02-10 | Senate | Read third time and passed Senate Block Vote | pass | 40 | 0 |   |
| 2026-02-09 | Senate | Passed by for the day Block Vote (Voice Vote) | pass | 0 | 0 |   |
| 2026-02-09 | Senate | Constitutional reading dispensed Block Vote (on 1st reading) | pass | 40 | 0 |   |
| 2026-02-05 | Senate | Reported from Finance and Appropriations | pass | 15 | 0 |   |
| 2026-01-26 | Senate | Reported from Commerce and Labor with substitute and rereferred to Finance and Appropriations | pass | 15 | 0 |   |

## Actions (33)

- 2026-04-06: Acts of Assembly Chapter text (CHAP0139) (Governor)
- 2026-04-06: Approved by Governor-Chapter 139 (effective 7/1/2026) (Governor)
- 2026-03-10: Governor's Action Deadline 11:59 p.m., April 13, 2026 (Governor)
- 2026-03-10: Enrolled Bill communicated to Governor on March 10, 2026 (Senate)
- 2026-03-03: Fiscal Impact Statement from State Corporation Commission (SB745) (Senate)
- 2026-02-26: Bill text as passed Senate and House (SB745ER) (Senate)
- 2026-02-26: Enrolled (Senate)
- 2026-02-26: Signed by President (Senate)
- 2026-02-26: Signed by Speaker (House)
- 2026-02-24: Passed House Block Vote (98-Y 0-N 0-A) (House)
- 2026-02-24: Read third time (House)
- 2026-02-23: Read second time (House)
- 2026-02-19: Reported from Labor and Commerce (20-Y 0-N) (House)
- 2026-02-13: Read first time (House)
- 2026-02-13: Referred to Committee on Labor and Commerce (House)
- 2026-02-13: Placed on Calendar (House)
- 2026-02-10: Read third time and passed Senate Block Vote (40-Y 0-N 0-A) (Senate)
- 2026-02-10: Constitutional reading dispensed Block Vote (on 3rd reading) (40-Y 0-N 0-A) (Senate)
- 2026-02-10: Commerce and Labor Substitute agreed to (Senate)
- 2026-02-10: Rules suspended (Senate)
- 2026-02-10: Engrossed by Senate - committee substitute (Voice Vote) (Senate)
- 2026-02-10: Read second time (Senate)
- 2026-02-09: Passed by for the day Block Vote (Voice Vote) (Senate)
- 2026-02-09: Constitutional reading dispensed Block Vote (on 1st reading) (40-Y 0-N 0-A) (Senate)
- 2026-02-09: Passed by for the day (Senate)
- 2026-02-09: Rules suspended (Senate)
- 2026-02-05: Reported from Finance and Appropriations (15-Y 0-N) (Senate)
- 2026-01-27: Committee substitute printed 26106219D-S1 (Senate)
- 2026-01-26: Senate committee offered (Senate)
- 2026-01-26: Senate committee offered (Senate)
- 2026-01-26: Reported from Commerce and Labor with substitute and rereferred to Finance and Appropriations (15-Y 0-N) (Senate)
- 2026-01-19: Referred to Committee on Commerce and Labor (Senate)
- 2026-01-19: Presented and ordered printed 26105075D (Senate)

## Bill text

- Chaptered, 2026-04-06: [HTML](https://lis.blob.core.windows.net/files/1216630.HTML), [PDF](https://lis.blob.core.windows.net/files/1216629.PDF)
- Enrolled, 2026-02-26: [HTML](https://lis.blob.core.windows.net/files/1179224.HTML), [PDF](https://lis.blob.core.windows.net/files/1179223.PDF)
- Substitute, 2026-01-27: [HTML](https://lis.blob.core.windows.net/files/1097446.HTML), [PDF](https://lis.blob.core.windows.net/files/1097445.PDF)
- Substitute, 2026-01-26: [HTML](https://lis.blob.core.windows.net/files/1096842.HTML), [PDF](https://lis.blob.core.windows.net/files/1096841.PDF)
- Introduced, 2026-01-19: [HTML](https://lis.blob.core.windows.net/files/1092263.HTML), [PDF](https://lis.blob.core.windows.net/files/1092262.PDF)

## Related bills

- HB5: Employment; paid sick leave, civil penalties. (signed)
- SB199: Employment; paid sick leave, civil penalties. (signed)
- HB95: Va. Residential Landlord and Tenant Act; landlord remedies, noncompliance with rental agreement. (signed)
- HB1393: Electric utilities; pilot program for energy assistance and weatherization for certain individuals. (signed)
- HB834: Virginia Residential Landlord and Tenant Act; fire or casualty damage, termination by landlord. (signed)
- HB675: Protection of employees; coercion or threat based on immigration status, civil penalty. (signed)

## Sources
- [Chaptered (HTML)](https://lis.blob.core.windows.net/files/1216630.HTML)
- [Chaptered (PDF)](https://lis.blob.core.windows.net/files/1216629.PDF)
- [Enrolled (HTML)](https://lis.blob.core.windows.net/files/1179224.HTML)
- [Enrolled (PDF)](https://lis.blob.core.windows.net/files/1179223.PDF)
- [Substitute (HTML)](https://lis.blob.core.windows.net/files/1097446.HTML)
- [Substitute (PDF)](https://lis.blob.core.windows.net/files/1097445.PDF)
- [Substitute (HTML)](https://lis.blob.core.windows.net/files/1096842.HTML)
- [Substitute (PDF)](https://lis.blob.core.windows.net/files/1096841.PDF)
- [Introduced (HTML)](https://lis.blob.core.windows.net/files/1092263.HTML)
- [Introduced (PDF)](https://lis.blob.core.windows.net/files/1092262.PDF)

## Related
- [HB5: Employment; paid sick leave, civil penalties.](https://policyrisk.com/state-bill/VA-HB5-2026)
- [SB199: Employment; paid sick leave, civil penalties.](https://policyrisk.com/state-bill/VA-SB199-2026)
- [HB95: Va. Residential Landlord and Tenant Act; landlord remedies, noncompliance with…](https://policyrisk.com/state-bill/VA-HB95-2026)
- [HB1393: Electric utilities; pilot program for energy assistance and weatherization for…](https://policyrisk.com/state-bill/VA-HB1393-2026)
- [HB834: Virginia Residential Landlord and Tenant Act; fire or casualty damage, terminat…](https://policyrisk.com/state-bill/VA-HB834-2026)
- [HB675: Protection of employees; coercion or threat based on immigration status, civil…](https://policyrisk.com/state-bill/VA-HB675-2026)
- [Virginia bills](https://policyrisk.com/states/virginia/bills)
- [Virginia state hub](https://policyrisk.com/states/virginia)
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Source: PRIA, https://policyrisk.com/state-bill/VA-SB745-2026 (as of 2026-10-12).