This bill revises North Carolina's Insurance Guaranty Association Act, affecting policyholders and the Association by adjusting how claims are handled when an insurer becomes insolvent. It clarifies that cybersecurity insurance policies are generally covered, but sets a maximum payout of $500,000 for all first and third-party cybersecurity claims arising from a single event. The bill also expands the definition of a "covered claim" to include certain transferred policy obligations, while explicitly excluding claims from very large entities and specific fines or penalties. Additionally, it enhances the Association's authority to investigate, adjust, and contest settlements or judgments made by an insolvent insurer or its insureds prior to liquidation, allowing them to defend claims on their merits.
HB 156 sets minimum standards for stop loss, catastrophic, and reinsurance coverage provided to small employers in North Carolina. It directly affects small employers (defined as those with fewer than 12 eligible employees) and insurers selling these specific insurance products. The bill requires insurers to maintain a minimum annual attachment point of $20,000 per individual (adjusted annually using the Consumer Price Index) and a minimum aggregate attachment point of either 120% of expected claims or $20,000 per year. These standards apply to all new, renewed, or amended insurance contracts issued on or after October 1, 2025.
HB 512 creates an exemption to the practice of veterinary medicine for emergency medical services (EMS) personnel. This allows EMS personnel, excluding dispatchers, to provide emergency medical transport and services to injured K-9 police animals or certified search and rescue dogs at an emergency scene. The bill also grants limited immunity from prosecution for EMS personnel who act in good faith when providing such care. However, this immunity does not extend to gross negligence, wanton conduct, or intentional wrongdoing.
House Bill 146 amends North Carolina's driver's license renewal process. It allows active duty members of the U.S. Armed Forces, or reserve components serving on active duty and stationed outside North Carolina, to renew their driver's licenses remotely multiple times in a row. Currently, a remote renewal requires the previous renewal to have been done in person, but this bill removes that restriction for eligible military personnel. This change aims to make it easier for these individuals to maintain their licenses while serving away from the state. The act becomes effective October 1, 2025, applying to licenses renewed on or after that date.
HB 254 designates the fourth Thursday of March each year as Tuskegee Airmen Commemoration Day in North Carolina. This officially recognizes and honors the legacy of the African-American pilots, navigators, bombardiers, instructors, and support staff who trained at Tuskegee Institute from 1941 to 1949.
House Bill 38, known as the Second Amendment Financial Privacy Act, prohibits payment card networks from using a specific "firearms code" to identify or track purchases made at firearms merchants in North Carolina. It also forbids these networks from knowingly maintaining records of individuals in the state who own firearms. The bill aims to prevent the separate tracking of lawful firearm and ammunition purchases and protect the financial privacy of individuals exercising their right to bear arms. Payment card networks are also prohibited from discriminating against firearms merchants based on code assignment. Violations can lead to civil penalties assessed by the Attorney General or civil lawsuits from affected merchants or individuals.
House Bill 771 modifies criminal law procedures by expanding the ability to preserve witness testimony through depositions. It authorizes the State to take depositions from material witnesses in criminal cases under specific conditions, such as when a witness is in danger, elderly, or unlikely to be available for trial. Defendants already have the right to depose witnesses who are infirm, incapacitated, or non-residents. The bill outlines procedures for these depositions, ensuring defendants receive notice, have the right to be present, and can have legal counsel.
HB 163 regulates Pharmacy Benefits Managers (PBMs) to ensure fair practices for pharmacies and insured individuals. The bill prohibits PBMs from charging insurers more for a prescription drug than they pay the pharmacy (spread pricing) and requires patient out-of-pocket costs to be based on the net price after any PBM concessions. It establishes minimum reimbursement standards for pharmacies, preventing PBMs from paying less than the national average drug acquisition cost plus a dispensing fee. Additionally, it clarifies that PBMs cannot restrict accredited pharmacies from dispensing specialty drugs and strengthens audit protections for pharmacies.
HB 298 allows local governments to offer installment plans for system development fees imposed on certain new nonresidential developments. This applies to nonresidential developments with a calculated increased flow rate between 325 and 2,500 gallons per day. If a local government establishes an installment plan, it must include interest and be spread over a period of three years or less. This provides an alternative payment method for qualifying nonresidential developers.
HB 649 directs the North Carolina Collaboratory to study the state's county tier designation system. The study will examine potential changes to the criteria used for ranking counties, how tier designations are assigned, and the ranking timeframe. It will evaluate the impact of these changes on all 100 counties, programs that use the tier system, and the ease of doing business in the state. The Collaboratory is required to submit a preliminary report by December 2025 and a final report by December 2026.
House Bill 107 designates the second week of November each year as Sudden Unexpected Death in Epilepsy (SUDEP) Awareness Week in North Carolina. Additionally, it encourages local boards of education to develop and offer seizure awareness training for school personnel who are responsible for students with epilepsy or who are otherwise predisposed to seizures. This training aims to provide school staff with information to support these students.
HB 152 aims to regulate how health benefit plans in North Carolina cover Transcranial Magnetic Stimulation (TMS) services. If an insurer chooses to cover TMS, the bill requires them to cover all procedures performed by properly licensed healthcare providers, regardless of their medical specialty, as long as TMS is within their scope of practice. It prohibits insurers from penalizing providers solely based on their specialty when submitting TMS claims. However, the bill maintains that insurers retain discretion over whether to cover TMS, for which conditions, and at what reimbursement rates.
