Rep. Martin Carbaugh

Provides that a Medicare product solicitation may not be made by means of a telephone call to an individual whose principal residence is in Indiana, regardless of where the telephone call originates. Provides an exemption from this prohibition if the solicitor has an existing business relationship with the individual to whom the communication is made. Provides that a violation of this prohibition constitutes an unfair and deceptive act or practice in the business of insurance.

Increases the personal allowance for residential care recipients and Medicaid recipients from $52 to $100.

Provides that a sexually oriented business may not operate within 1,000 feet of specified facilities that cater to minors. Exempts pre-existing businesses that have been in continuous operation. Establishes a civil enforcement mechanism. Repeals the existing law concerning sexually explicit materials. Makes conforming amendments.

Establishes a tax credit for an eligible taxpayer that employs certain individuals with a disability. Provides for calculation of the amount of the tax credit. Requires the taxpayer to submit information to the department of state revenue to claim the credit.

Provides that a school may not promote or encourage the use of, or require, compel, or coerce a student, an employee of the school, or a staff member of the school to use: (1) a pronoun, title, or other word to identify a student, school employee, or other individual that is inconsistent with the student's, employee's, or individual's biological sex; or (2) a name or nickname to identify a student that is inconsistent with the student's name on the student's birth certificate. Creates an exception. Provides that a school may not require an employee or a staff member of the school to adopt, support, or promote gender fluidity.

Requires an insurer or health maintenance organization that provides coverage under an Affordable Care Act Marketplace (Marketplace) plan to provide to each individual covered under the Marketplace plan, not more than two months before the birthday on which the individual will become 65 years of age, a written message that includes: (1) a statement that the individual will be eligible to enroll in Medicare during the individual's initial enrollment period, which begins three months before the individual becomes 65 years of age; (2) a statement advising the individual that, in most cases, someone covered by a Marketplace plan will want to end their Marketplace coverage upon becoming eligible for Medicare; and (3) detailed instructions that the individual may follow to cancel the individual's Marketplace plan. Prohibits an insurer or health maintenance organization from collecting a premium for an individual's Marketplace plan coverage after the earlier of: (1) the birthday on which the individual becomes 65 years of age; or (2) the date on which the individual's Medicare coverage begins. Requires an insurer or health maintenance organization to return the part of any premium that was collected for an individual's Marketplace plan coverage but was not earned as of the birthday on which the individual becomes 65 years of age. Empowers the insurance commissioner to impose a civil penalty on or suspend or revoke the certificate of authority of an insurer or health maintenance organization that commits a violation.

Provides that each school corporation shall make every reasonable effort to transfer not more than 20% (instead of 15%) of the total revenue deposited in the school corporation's education fund from the school corporation's education fund to the school corporation's operations fund during calendar year 2023 and calendar year 2024. Makes conforming changes regarding the excessive education fund transfer list.

Provides that, beginning with the cohort of students who are expected to graduate from a public school, a charter school, or a state accredited nonpublic school in 2027, an individual must successfully complete a personal financial responsibility course before the individual may graduate. Creates requirements for content that must be covered in a personal financial responsibility course.

Defines "residual interest", with respect to a credit card, as interest that: (1) accrues on the outstanding balance on a credit card account from the close of a particular billing cycle until the cardholder's payment on the account posts; and (2) may result in a cardholder owing interest even if the cardholder pays off the full amount shown as outstanding on the statement issued as of the close of the billing cycle. Prohibits a card issuer from doing the following: (1) Issuing, or offering to issue, a credit card to an Indiana consumer if, under the terms and conditions of use for the credit card, the card issuer is permitted to charge residual interest on outstanding balances. (2) Charging residual interest on the outstanding balance on a credit card account. Provides that a card issuer that violates these provisions commits a deceptive act that is: (1) actionable by the attorney general or by a consumer under the deceptive consumer sales act (act); and (2) subject to the remedies and penalties set forth in the act.

Amends the law requiring a hospital to file an annual report with the Indiana department of health: (1) to require that a hospital's report also be filed with the all payer claims data base; and (2) to require a hospital to include in the report additional information concerning the hospital's medical loss ratio, the total funding received by the hospital under the CARES Act, and other matters. Requires the insurance commissioner, when deciding whether to approve a premium rate increase or decrease for an accident and sickness insurance policy or an increase or decrease in the rates to be used by a health maintenance organization (HMO), to consider the median cost sharing for the affected insurance policy or HMO contract, the benefits provided under the policy or contract, the underlying costs of the health services covered by the policy or contract, and other matters.