HB 1260 Indiana House · 2026 Regular Session

Various insurance matters.

Summary
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.
Bill status signed all 5 stages cleared
Introduction
Jan 2026
Committee Review
Feb 2026
House Passage
Feb 2026
Senate Passage
Feb 2026
Signed into Law
Mar 2026
Introduced Jan 5, 2026 Signed Mar 4, 2026
Maddy AI version diff · 3 comparisons

What changed between versions

Enrolled House Bill (H) House Bill (S) · 3 edits
MINOR
The bill was reformatted from an enrolled act to a standard house bill draft, retaining the core insurance provisions while updating the session year to 2026. The substantive policy content regarding fraud reporting, fee schedules, and insurance definitions remains consistent with the original text.
Scope change
The bill's scope and applicability remain unchanged; only the document format and session year were updated.
TECHNICAL

The document header was updated to reflect the 2026 Regular Session instead of the 2025 session, and the text was converted from an enrolled act format to a standard house bill draft format.

New digest text was inserted to summarize the bill's provisions, including details on aerial image usage, condominium insurance, and health benefit exchanges.

Original enrolled act headers and page footers were removed to align with the new house bill draft structure.

Floor votes · Senate Feb 24, 2026 · House Jan 28, 2026

How they voted

470
Passed · 2 other
Total votes 49
Feb 24, 2026
D Democratic9
8 Yea 1
88% Yea
R Republican40
39 Yea 1
97% Yea
Vote distribution
All Yea All Nay Mixed No data
Full legislative history

Actions timeline

Total actions
30
Key actions
11
Committee
3
Amendments
3
Mar 4, 2026
Signed into law
Signed by the Governor
executive
Feb 27, 2026
Upper · Passed
Signed by the President Pro Tempore
upper
Feb 27, 2026
Upper · Passed
Signed by the President of the Senate
upper
Feb 26, 2026
Lower · Passed
House concurred with Senate amendments; Roll Call 392: yeas 78, nays 12
lower
Feb 26, 2026
Lower · Passed
Signed by the Speaker
lower
Feb 24, 2026
Upper · Passed
Third reading: passed; Roll Call 245: yeas 48, nays 0
upper
Feb 24, 2026
Introduced
House dissented from Senate amendments
lower
Feb 23, 2026
Upper · Passed
Amendment #1 (Baldwin) prevailed; voice vote
upper
Feb 19, 2026
Upper · Passed
Committee report: amend do pass, adopted
upper
Feb 12, 2026
Upper · Passed
Committee report: amend do pass adopted; reassigned to Committee on Appropriations
upper
Jan 28, 2026
Lower · Passed
Third reading: passed; Roll Call 130: yeas 92, nays 1
lower
Jan 22, 2026
Amended
Amendment #1 (Garcia Wilburn) motion withdrawn
lower
Jan 20, 2026
Lower · Passed
Committee report: amend do pass, adopted
lower
2 primary · 2 co-sponsors

Sponsors