HB 1304 Tennessee House · 114th Regular Session (2025-2026)

Insurance Companies, Agents, Brokers, Policies - As enacted, requires a health benefit plan issuer to provide no later than 30 days after a health benefit plan issuer receives a written request for a claims experience report from a plan, plan sponsor, or plan administrator, the report to the requesting party; prohibits coverage by a commercial risk insurance policy of farm risks or real or personal property used in farming from being considered in determining whether property is classified as farm or agricultural property under another law or rule in this state; revises provisions relating to reinsurance and risk insurance; revises provisions relating to the readability, content, and style of life and health insurance policies. - Amends TCA Title 56 and Section 68-1-115.

HB 1304 requires health benefit plan issuers (insurance companies) to provide detailed claims experience reports within 30 days of a written request from a group health plan, plan sponsor, or plan administrator. These reports must include 36 months of data on monthly claims, premiums, covered employees (by tier), high-value claims ($10,000+), and pending claims. The bill also clarifies that commercial farm insurance coverage cannot affect how property is classified as "farm" or "agricultural" under state law and updates provisions on reinsurance, risk insurance, and policy readability. It directly affects insurers, large employers (with 25+ participants), and their health plans.
Bill status in committee 1 of 4 stages cleared
Introduction
Feb 2025
Committee Review
Floor Vote
Governor
Introduced Feb 10, 2025 Last action May 2, 2025
Floor votes

How they voted

No floor votes recorded yet.
Full legislative history

Actions timeline

Total actions
14
Key actions
4
Committee
7
Mar 19, 2025
Lower · Passed
Placed on cal. Calendar & Rules Committee for 3/20/2025
lower
Mar 12, 2025
Lower · Passed
Rec. for pass. if am., ref. to Calendar & Rules Committee
lower
Mar 5, 2025
Committee
Rec for pass if am by s/c ref. to Insurance Committee
lower
Mar 5, 2025
Lower · Passed
Placed on cal. Insurance Committee for 3/12/2025
lower
Feb 26, 2025
Lower · Passed
Placed on s/c cal Insurance Subcommittee for 3/5/2025
lower
Feb 12, 2025
Committee
P2C, ref. to Insurance Committee
lower
Feb 12, 2025
Committee
Assigned to s/c Insurance Subcommittee
lower
Feb 10, 2025
Introduced
Intro., P1C.
lower
1 primary · 0 co-sponsors

Sponsors

Role
Legislator
Party
State
District
P
Photo of William Lamberth
William Lamberth
RRepublican
TN
44