An Act prohibiting certain insurance liens

HD 303 prohibits insurers from claiming reimbursement or placing liens on personal injury settlement payments for medical costs already covered by the insurer. It directly affects individuals who settle claims for injuries, malpractice, or wrongful death, and insurers (including health insurance companies, medical service plans, and health maintenance organizations). The bill creates a legal presumption that such settlements exclude costs paid by insurers, blocking any future subrogation claims or reimbursement demands from the insurer. Violating this provision would be considered an unfair insurance practice under state law.