SB 189 Indiana Senate · 2026 Regular Session

Nonparticipating providers.

Summary
Requires an initiating party that submits a request for independent dispute resolution to provide written notice to the facility not later than three business days after submitting the request. Allows a health carrier to provide notice to an out of network provider and a facility if, during any 90 day period, an initiating party submits requests for independent dispute resolutions that, in the aggregate, include 25 or more qualified disputes. Provides that if a health carrier provides the notice, the health carrier, the out of network provider, and the facility shall engage in good faith efforts to negotiate a resolution. Prohibits a health carrier from assessing a facility or a provider an administrative fee or penalty related to the provision of care to an individual that involves an out of network provider. Provides that if a health carrier assesses a facility or a provider an administrative fee or penalty related to the provision of care to an individual that involves an out of network provider, the health carrier commits an unfair and deceptive act or practice in the business of insurance.
Bill status signed all 5 stages cleared
Introduction
Jan 2026
Committee Review
Feb 2026
Senate Passage
Feb 2026
House Passage
Feb 2026
Signed into Law
Mar 2026
Introduced Jan 6, 2026 Signed Mar 5, 2026
Maddy AI version diff · 3 comparisons

What changed between versions

Senate Bill (H) Senate Bill (S) · 7 edits
MODERATE
The bill was updated to reflect its final passage and engrossment, changing the bill number from SB to ES and updating all dates to February 2026. The substantive policy text was completely replaced with a new chapter establishing rules for Independent Dispute Resolution, including new definitions for key terms and specific requirements for notifying facilities about dispute requests.
Scope change
The bill's scope expanded from a single provision prohibiting administrative fees to a comprehensive new chapter governing the independent dispute resolution process for out-of-network care.
TIMELINE

All dates were updated to reflect the bill's final passage in late January and engrossment on February 17, 2026.

TECHNICAL

The bill number was changed from SB 189 to ES 189 to indicate it is an engrossed version ready for signing.

REQUIREMENT

New requirements mandate that parties initiating a dispute resolution request must notify the facility within three business days.

New rules require health carriers to notify out-of-network providers and facilities if they receive 25 or more dispute requests within a 90-day period.

New provisions require all parties (carrier, provider, and facility) to engage in good faith efforts to negotiate a resolution when notice is provided.

DEFINITION

New definitions were added for 'claim specific payment information,' 'facility,' 'health carrier,' 'independent dispute resolution,' 'initiating party,' and 'out of network provider.'

ENFORCEMENT

The specific statute amending unfair trade practices was replaced with a new chapter establishing the dispute resolution framework, though the prohibition on administrative fees remains.

Floor votes · Senate Jan 27, 2026 · House Feb 23, 2026

How they voted

431
Passed · 4 other
Total votes 48
Jan 27, 2026
D Democratic9
7 Yea 2
77% Yea
R Republican39
36 Yea 1 Nay 2
92% Yea
Vote distribution
All Yea All Nay Mixed No data
Full legislative history

Actions timeline

Total actions
30
Key actions
9
Committee
2
Amendments
1
Mar 5, 2026
Signed into law
Signed by the Governor
executive
Feb 27, 2026
Lower · Passed
Signed by the Speaker
lower
Feb 27, 2026
Upper · Passed
Signed by the President of the Senate
upper
Feb 27, 2026
Upper · Passed
Signed by the President Pro Tempore
upper
Feb 26, 2026
Upper · Passed
Senate concurred with House amendments; Roll Call 299: yeas 49, nays 0
upper
Feb 25, 2026
Introduced
Senate dissented from House amendments
upper
Feb 23, 2026
Lower · Passed
Third reading: passed; Roll Call 306: yeas 96, nays 0
lower
Feb 17, 2026
Lower · Passed
Committee report: amend do pass, adopted
lower
Jan 27, 2026
Upper · Passed
Third reading: passed; Roll Call 103: yeas 44, nays 1
upper
Jan 22, 2026
Upper · Passed
Committee report: amend do pass, adopted
upper
4 primary · 6 co-sponsors

Sponsors