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Requires a person or entity to furnish information relating to a fraudulent insurance act to the department of insurance or the National Insurance Crime Bureau. Provides that a person or entity is not subject to civil or criminal liability for filing a report or furnishing other information concerning a fraudulent insurance act under certain circumstances. Sets forth a fee schedule for providing unrestricted data to certain entities from the all payer claims data base. Makes various changes to: (1) provisions relating to notice of material change; and (2) the property and casualty insurance and guaranty association law. Allows the insurance commissioner to waive the requirements for a merger or consolidation of a farm mutual insurance company with any other company if an emergency event occurs. Provides that a policy of insurance that provides coverage in excess of any liability relating to a self-insured retention amount shall be considered a commercial umbrella or excess liability policy under the uninsured and underinsured motorist coverage provision. Requires an insurer of automobile insurance policies to mail a notice of nonrenewal at least 30 days before the expiration of the policy. Requires an insurer of residential policies to: (1) mail a notice of nonrenewal at least 60 days before the expiration of the policy; and (2) take certain actions when the insurer utilizes aerial images as part of the insurer's coverage determinations. Allows co-owners of a condominium that meets certain conditions to obtain property and casualty insurance coverage for the condominium units by purchasing a master policy or by allowing each co-owner to purchase insurance on an individual basis. Requires an insurer and a health maintenance organization to provide an insurance producer with access to a complete list of providers who have entered into a reimbursement agreement with the insurer or health maintenance organization. Provides that the prohibition on denying, conditioning, or discriminating in the pricing of Medicare supplement policies for certain applicants applies to an applicant who submits an application during the period beginning one month before the applicant's birthday and ending one month after the applicant's birthday. Provides that the insurance commissioner has the authority to take certain actions relating to the creation, implementation, or operation of a health benefit exchange. Requires the department of insurance to annually report information to the budget committee regarding the fee schedule for providing unrestricted data that is being added in the bill.
Introduced
Jan 5, 2026
Last Action
Mar 4, 2026
Session
IN 2026
Sponsors
2 primary · 2 co
Public Law 86
Signed by the Governor
Signed by the President Pro Tempore
Signed by the President of the Senate
Signed by the Speaker
House concurred with Senate amendments; Roll Call 392: yeas 78, nays 12
House conferees appointed: Lehman, Dvorak
House advisors appointed: Carbaugh, Mayfield, Campbell, Garcia Wilburn
Senate conferees appointed: Baldwin, Randolph Lonnie M
Motion to concur filed
Senate advisors appointed: Walker K, Qaddoura
Third reading: passed; Roll Call 245: yeas 48, nays 0
House dissented from Senate amendments
Returned to the House with amendments
Motion to dissent filed
Amendment #1 (Baldwin) prevailed; voice vote
Second reading: amended, ordered engrossed
Committee report: amend do pass, adopted
Committee report: amend do pass adopted; reassigned to Committee on Appropriations
Senator Randolph added as cosponsor
First reading: referred to Committee on Insurance and Financial Institutions
Referred to the Senate
Third reading: passed; Roll Call 130: yeas 92, nays 1
Senate sponsor: Senator Baldwin
Amendment #1 (Garcia Wilburn) motion withdrawn
Second reading: ordered engrossed
Committee report: amend do pass, adopted
Authored by Representative Lehman
Coauthored by Representative Carbaugh
First reading: referred to Committee on Insurance
HB 1260 was introduced on Jan 5, 2026 by Scott Baldwin in IN session 2026. It is currently dead. Most recent action on Mar 4, 2026: Public Law 86.
Get a plain-English explanation of what this bill does, who it affects, and why it matters.
Public Law 86