Shown verbatim: the complete text as captured from the official PDF posted by the Indiana General Assembly, fetched 2026-09-25. Page and line markers are part of the official record; nothing is edited or removed. This is the current version. The official bill page.
First Regular Session of the 124th General Assembly (2025)
PRINTING CODE. Amendments: Whenever an existing statute (or a section of the Indiana
Constitution) is being amended, the text of the existing provision will appear in this style type,
additions will appear in this style type, and deletions will appear in this style type.
Additions: Whenever a new statutory provision is being enacted (or a new constitutional
provision adopted), the text of the new provision will appear in this style type. Also, the
word NEW will appear in that style type in the introductory clause of each SECTION that adds
a new provision to the Indiana Code or the Indiana Constitution.
Conflict reconciliation: Text in a statute in this style type or this style type reconciles conflicts
between statutes enacted by the 2024 Regular Session of the General Assembly.
HOUSE ENROLLED ACT No. 1587
AN ACT to amend the Indiana Code concerning insurance.
Be it enacted by the General Assembly of the State of Indiana:
SECTION 1. IC 5-10-8-23, AS AMENDED BY P.L.93-2024,
SECTION 42, IS AMENDED TO READ AS FOLLOWS [EFFECTIVE
JULY 1, 2025]: Sec. 23. (a) As used in this section, "covered
individual" means an individual who is entitled to coverage under a
state employee health plan.
(b) As used in this section, "emergency medical services provider
organization" means a provider of emergency medical services that is
certified by the Indiana emergency medical services commission as an
advanced life support provider organization under rules adopted under
IC 16-31-3.
(c) As used in this section, "state employee health plan" means
either of the following that provides coverage for emergency medical
services:
(1) A self-insurance program established under section 7(b) of
this chapter to provide group health coverage.
(2) A contract with a prepaid health care delivery plan that is
entered into or renewed under section 7(c) of this chapter.
(d) A state employee health plan that provides coverage for
emergency medical services must at least provide reimbursement,
subject to applicable deductible and coinsurance, for a covered
individual for emergency medical services that are:
(1) rendered by an emergency medical services provider
organization;
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(2) within the emergency medical services provider organization's
scope of practice;
(3) performed or provided as advanced life support services; and
(4) performed or provided during a response initiated through the
911 system, regardless of whether the patient was transported.
(e) The director of the state personnel department may make a
determination to provide coverage for emergency medical services
as part of a mobile integrated healthcare program described in
IC 16-31-12.
(e) (f) If multiple emergency medical services provider
organizations qualify and submit a claim for reimbursement under this
section for an encounter, the state employee health plan:
(1) may only reimburse, subject to applicable deductible and
coinsurance, under this section for one (1) claim per patient
encounter; and
(2) shall reimburse, subject to applicable deductible and
coinsurance, the claim submitted by the emergency medical
services provider organization that performed or provided the
majority of advanced life support services for the patient.
(f) (g) The state personnel department may adopt rules under
IC 4-22-2 to implement this section.
(g) (h) This section does not restrict the state employee health plan
from providing coverage beyond the requirements in this section.
SECTION 2. IC 5-20-1-27, AS AMENDED BY P.L.72-2016,
SECTION 5, IS AMENDED TO READ AS FOLLOWS [EFFECTIVE
JULY 1, 2025]: Sec. 27. (a) The home ownership education account
within the state general fund is established to support:
(1) home ownership education programs established under section
4(d) of this chapter;
(2) mortgage foreclosure counseling and education programs
established under IC 5-20-6-2; and
(3) programs conducted by one (1) or a combination of the
following to facilitate settlement conferences in residential
foreclosure actions under IC 32-30-10.5:
(A) The judiciary.
(B) Pro bono legal services agencies.
(C) Mortgage foreclosure counselors (as defined in
IC 32-30-10.5-6).
(D) Other nonprofit entities certified by the authority under
section 4(d) of this chapter.
The account is administered by the authority.
(b) The home ownership education account consists of:
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(1) court fees collected under IC 33-37-5-33 (before its expiration
on July 1, 2017); and
(2) civil penalties imposed and collected under:
(A) IC 6-1.1-12-43(g)(2)(B); or
(B) IC 27-7-3-15.5(f); and
(3) (2) any civil penalties imposed and collected by a court for a
violation of a court order in a foreclosure action under
IC 32-30-10.5.
(c) The expenses of administering the home ownership education
account shall be paid from money in the account.
(d) The treasurer of state shall invest the money in the home
ownership education account not currently needed to meet the
obligations of the account in the same manner as other public money
may be invested.
SECTION 3. IC 5-20-6-3, AS AMENDED BY P.L.72-2016,
SECTION 6, IS AMENDED TO READ AS FOLLOWS [EFFECTIVE
JULY 1, 2025]: Sec. 3. In addition to using money provided for the
program from:
(1) court fees under IC 33-37-5-33 (before its expiration on July
1, 2017); and
(2) civil penalties imposed and collected under:
(A) IC 6-1.1-12-43(g)(2)(B); or
(B) IC 27-7-3-15.5(f); and
(3) (2) any civil penalties imposed and collected by a court for a
violation of a court order in a foreclosure action under
IC 32-30-10.5;
the authority may solicit contributions and grants from the private
sector, nonprofit entities, and the federal government to assist in
carrying out the purposes of this chapter.
SECTION 4. IC 6-1.1-12-43, AS AMENDED BY P.L.174-2022,
SECTION 23, IS AMENDED TO READ AS FOLLOWS [EFFECTIVE
JULY 1, 2025]: Sec. 43. (a) For purposes of this section:
(1) "benefit" refers to a deduction under section 9, 11, 13, 14, 16,
17.4 (before its expiration), 26, 29, 33, 34, 37, or 37.5 of this
chapter;
(2) "closing agent" means a person that closes a transaction;
(3) "customer" means an individual who obtains a loan in a
transaction; and
(4) "transaction" means a single family residential:
(A) first lien purchase money mortgage transaction; or
(B) refinancing transaction.
(b) Before closing a transaction after December 31, 2004, a closing
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agent must provide to the customer the form referred to in subsection
(c).
(c) Before June 1, 2004, the department of local government finance
shall prescribe the form to be provided by closing agents to customers
under subsection (b). The department shall make the form available to
closing agents, county assessors, county auditors, and county treasurers
in hard copy and electronic form. County assessors, county auditors,
and county treasurers shall make the form available to the general
public. The form must:
(1) on one (1) side:
(A) list each benefit; and
(B) list the eligibility criteria for each benefit;
(2) on the other side indicate:
(A) each action by and each type of documentation from the
customer required to file for each benefit; and
(B) sufficient instructions and information to permit a party to
terminate a standard deduction under section 37 of this chapter
on any property on which the party or the spouse of the party
will no longer be eligible for the standard deduction under
section 37 of this chapter after the party or the party's spouse
begins to reside at the property that is the subject of the
closing, including an explanation of the tax consequences and
applicable penalties, if a party unlawfully claims a standard
deduction under section 37 of this chapter; and
(3) be printed in one (1) of two (2) or more colors prescribed by
the department of local government finance that distinguish the
form from other documents typically used in a closing referred to
in subsection (b).
(d) A closing agent:
(1) may reproduce the form referred to in subsection (c);
(2) in reproducing the form, must use a print color prescribed by
the department of local government finance; and
(3) is not responsible for the content of the form referred to in
subsection (c) and shall be held harmless by the department of
local government finance from any liability for the content of the
form.
(e) This subsection applies to a transaction that is closed after
December 31, 2009. In addition to providing the customer the form
described in subsection (c) before closing the transaction, a closing
agent shall do the following as soon as possible after the closing, and
within the time prescribed by the department of insurance under
IC 27-7-3-15.5:
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(1) To the extent determinable, input the information described in
IC 27-7-3-15.5(c)(2) into the system maintained by the
department of insurance under IC 27-7-3-15.5.
(2) Submit the form described in IC 27-7-3-15.5(c) to the data
base described in IC 27-7-3-15.5(c)(2)(D).
(f) A closing agent to which this section applies shall document the
closing agent's compliance with this section with respect to each
transaction in the form of verification of compliance signed by the
customer.
(g) Subject to IC 27-7-3-15.5(d), a closing agent is subject to a civil
penalty of twenty-five dollars ($25) for each instance in which the
closing agent fails to comply with this section with respect to a
customer. The penalty:
(1) may be enforced by the state agency that has administrative
jurisdiction over the closing agent in the same manner that the
agency enforces the payment of fees or other penalties payable to
the agency; and
(2) shall be paid into:
(A) the state general fund, if the closing agent fails to comply
with subsection (b); or
(B) the home ownership education account established by
IC 5-20-1-27, if the closing agent fails to comply with
subsection (e) in a transaction that is closed after December
31, 2009.
(h) A closing agent is not liable for any other damages claimed by
a customer because of:
(1) the closing agent's mere failure to provide the appropriate
document to the customer under subsection (b); or
(2) with respect to a transaction that is closed after December 31,
2009, the closing agent's failure to input the information or submit
the form described in subsection (e).
(i) The state agency that has administrative jurisdiction over a
closing agent shall:
(1) examine the closing agent to determine compliance with this
section; and
(2) impose and collect penalties under subsection (g).
SECTION 5. IC 24-15-1-1, AS ADDED BY P.L.94-2023,
SECTION 1, IS AMENDED TO READ AS FOLLOWS [EFFECTIVE
JANUARY 1, 2026]: Sec. 1. (a) This article applies to a person that
conducts business in Indiana or produces products or services that are
targeted to residents of Indiana and that during a calendar year:
(1) controls or processes personal data of at least one hundred
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thousand (100,000) consumers who are Indiana residents; or
(2) controls or processes personal data of at least twenty-five
thousand (25,000) consumers who are Indiana residents and
derives more than fifty percent (50%) of gross revenue from the
sale of personal data.
(b) This article does not apply to any of the following:
(1) Either of the following:
(A) The state, a state agency, or a body, authority, board,
bureau, commission, district, or agency of any political
subdivision of the state.
(B) A third party under contract with an entity described in
clause (A), when acting on behalf of the entity. This clause
does not exempt data held or created by third parties outside
of the scope of the contract with the entity.
(2) Any financial institutions and affiliates, or data subject to Title
V of the federal Gramm-Leach-Bliley Act (15 U.S.C. 6801 et
seq.).
(3) Any covered entity or business associate governed by the
privacy, security, and breach notification rules issued by the
United States Department of Health and Human Services (45 CFR
Parts 160 and 164) pursuant to HIPAA.
(4) Any nonprofit organization.
(5) Any institution of higher education.
(6) Any public utility (as defined in IC 8-1-2-1(a)) or service
company affiliated with a public utility (as defined in
IC 8-1-2-1(a)). For purposes of this subdivision, "service
company" means an associate company within a holding company
system organized specifically for the purpose of providing goods
or services to a public utility (as defined in IC 8-1-2-1(a)) in the
same holding company system.
(7) Any organization exempt from taxation under Section
501(c)(4) of the Internal Revenue Code that is:
(A) established to detect or prevent insurance related
crime or fraud; and
(B) subject to a memorandum of understanding with a
statewide law enforcement agency.
SECTION 6. IC 27-1-45.5-3, AS AMENDED BY P.L.226-2023,
SECTION 17, IS AMENDED TO READ AS FOLLOWS [EFFECTIVE
JULY 1, 2025]: Sec. 3. (a) Before December 31, 2026, 2030, IPEP
shall apply to the insurance commissioner for a certificate of authority
to transact the business of insurance in Indiana as a domestic tax
exempt reciprocal insurance company.
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(b) The bylaws or articles of incorporation prepared by IPEP for
purposes of IPEP's conversion to a domestic tax exempt reciprocal
insurance company must require that the board of the domestic tax
exempt reciprocal insurance company be made up of at least seven (7)
individuals.
(c) IPEP, in converting to a domestic tax exempt reciprocal
insurance company, must meet the requirements and conditions for the
formation of a domestic tax exempt reciprocal insurance company set
forth in IC 27-1-6, including an examination under IC 27-1-6-17.
SECTION 7. IC 27-2-26 IS REPEALED [EFFECTIVE JULY 1,
2025]. (Public Forums by Health Carriers).
SECTION 8. IC 27-2-28-1, AS AMENDED BY P.L.158-2024,
SECTION 18, IS AMENDED TO READ AS FOLLOWS [EFFECTIVE
JUNE 30, 2025]: Sec. 1. (a) This chapter applies to a personal
automobile or homeowner's policy that is issued, delivered, amended,
or renewed after June 30, 2025. 2026.
(b) This chapter does not apply to notices required by the federal
Fair Credit Reporting Act (15 U.S.C. 1681 et seq.).
SECTION 9. IC 27-7-3-15.5 IS REPEALED [EFFECTIVE JULY
1, 2025]. Sec. 15.5. (a) This section applies to the following
transactions:
(1) A mortgage transaction (as defined in IC 24-9-3-7(a)) that:
(A) is:
(i) a first lien purchase money mortgage transaction; or
(ii) a refinancing transaction; and
(B) is closed by a closing agent after December 31, 2009.
(2) A real estate transaction (as defined in IC 24-9-3-7(b)) that:
(A) does not involve a mortgage transaction described in
subdivision (1); and
(B) is closed by a closing agent (as defined in
IC 6-1.1-12-43(a)(2)) after December 31, 2011.
(b) For purposes of this subsection, a person described in this
subsection is involved in a transaction to which this section applies if
the person participates in or assists with, or will participate in or assist
with, a transaction to which this section applies. The department shall
establish and maintain an electronic system for the collection and
storage of the following information, to the extent applicable,
concerning a transaction to which this section applies:
(1) In the case of a transaction described in subsection (a)(1), the
name and license number (under IC 23-2.5) of each loan broker
involved in the transaction.
(2) In the case of a transaction described in subsection (a)(1), the
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name and license or registration number of any mortgage loan
originator who is:
(A) either licensed or registered under state or federal law as
a mortgage loan originator consistent with the Secure and Fair
Enforcement for Mortgage Licensing Act of 2008 (12 U.S.C.
5101 et seq.); and
(B) involved in the transaction.
(3) The name and license number (under IC 25-34.1) of each:
(A) broker company; and
(B) broker if any;
involved in the transaction.
(4) The following information:
(A) The:
(i) name of; and
(ii) code assigned by the NAIC to;
each title insurance underwriter involved in the transaction.
(B) The type of title insurance policy issued in connection with
the transaction.
(5) The name and license number (under IC 27-1-15.6) of each
title insurance agency and agent involved in the transaction as a
closing agent (as defined in IC 6-1.1-12-43(a)(2)).
(6) The following information:
(A) The name and:
(i) license or certificate number (under IC 25-34.1-3-8) of
each licensed or certified real estate appraiser; or
(ii) license number (under IC 25-34.1) of each broker;
who appraises the property that is the subject of the
transaction.
(B) The name and registration number (under
IC 25-34.1-11-10) of any appraisal management company that
performs appraisal management services (as defined in
IC 25-34.1-11-3) in connection with the transaction.
(7) In the case of a transaction described in subsection (a)(1), the
name of the creditor and, if the creditor is required to be licensed
under IC 24-4.4, the license number of the creditor.
(8) In the case of a transaction described in subsection
(a)(1)(A)(i) or (a)(2), the name of the seller of the property that is
the subject of the transaction.
(9) In the case of a transaction described in subsection
(a)(1)(A)(i), the following information:
(A) The name of the buyer of the property that is the subject of
the transaction.
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(B) The purchase price of the property that is the subject of the
transaction.
(C) The loan amount of the mortgage transaction.
(10) In the case of a transaction described in subsection (a)(2), the
following information:
(A) The name of the buyer of the property that is the subject of
the transaction.
(B) The purchase price of the property that is the subject of the
transaction.
(11) In the case of a transaction described in subsection
(a)(1)(A)(ii), the following information:
(A) The name of the borrower in the mortgage transaction.
(B) The loan amount of the refinancing.
(12) The:
(A) name; and
(B) license number, certificate number, registration number,
or other code, as appropriate;
of any other person that is involved in a transaction to which this
section applies, as the department may prescribe.
(c) The system established by the department under this section
must include a form that:
(1) is uniformly accessible in an electronic format to the closing
agent (as defined in IC 6-1.1-12-43(a)(2)) in the transaction; and
(2) allows the closing agent to do the following:
(A) Input information identifying the property that is the
subject of the transaction by lot or parcel number, street
address, or some other means of identification that the
department determines:
(i) is sufficient to identify the property; and
(ii) is determinable by the closing agent.
(B) Subject to subsection (d) and to the extent determinable,
input the applicable information described in subsection (b).
(C) Respond to the following questions, if applicable:
(i) "On what date did you receive the closing instructions
from the creditor in the transaction?".
(ii) "On what date did the transaction close?".
(D) Submit the form electronically to a data base maintained
by the department.
(d) Not later than the time of the closing or the date of disbursement,
whichever is later, each person described in subsection (b), other than
a person described in subsection (b)(8), (b)(9), (b)(10), or (b)(11), shall
provide to the closing agent in the transaction the person's:
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(1) legal name; and
(2) license number, certificate number, registration number, or
NAIC code, as appropriate;
to allow the closing agent to comply with subsection (c)(2)(B). In the
case of a transaction described in subsection (a)(1), the person
described in subsection (b)(7) shall, with the cooperation of any person
involved in the transaction and described in subsection (b)(6)(A) or
(b)(6)(B), provide the information described in subsection (b)(6). In the
case of a transaction described in subsection (a)(1)(A)(ii), the person
described in subsection (b)(7) shall also provide the information
described in subsection (b)(11). A person described in subsection
(b)(3)(B) who is involved in the transaction may provide the
information required by this subsection for a person described in
subsection (b)(3)(A) that serves as the broker company for the person
described in subsection (b)(3)(B). The closing agent shall determine
the information described in subsection (b)(8), (b)(9), and (b)(10) from
the HUD-1 settlement statement, or in the case of a transaction
described in subsection (a)(2), from the contract or any other document
executed by the parties in connection with the transaction.
(e) The closing agent in a transaction to which this section applies
shall submit the information described in subsection (d) to the data
base described in subsection (c)(2)(D) not later than twenty (20)
business days after the date of closing or the date of disbursement,
whichever is later.
(f) Except for a person described in subsection (b)(8), (b)(9),
(b)(10), or (b)(11), a person described in subsection (b) who fails to
comply with subsection (d) or (e) is subject to a civil penalty of one
hundred dollars ($100) for each closing with respect to which the
person fails to comply with subsection (d) or (e). The penalty:
(1) may be enforced by the state agency that has administrative
jurisdiction over the person in the same manner that the agency
enforces the payment of fees or other penalties payable to the
agency; and
(2) shall be paid into the home ownership education account
established by IC 5-20-1-27.
(g) Subject to subsection (h), the department shall make the
information stored in the data base described in subsection (c)(2)(D)
accessible to:
(1) each entity described in IC 4-6-12-4; and
(2) the homeowner protection unit established under IC 4-6-12-2.
(h) The department, a closing agent who submits a form under
subsection (c), each entity described in IC 4-6-12-4, and the
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homeowner protection unit established under IC 4-6-12-2 shall exercise
all necessary caution to avoid disclosure of any information:
(1) concerning a person described in subsection (b), including the
person's license, registration, or certificate number; and
(2) contained in the data base described in subsection (c)(2)(D);
except to the extent required or authorized by state or federal law.
(i) The department may adopt rules under IC 4-22-2 to implement
this section. Rules adopted by the department under this subsection
may establish procedures for the department to:
(1) establish;
(2) collect; and
(3) change as necessary;
an administrative fee to cover the department's expenses in establishing
and maintaining the electronic system required by this section.
(j) If the department adopts a rule under IC 4-22-2 to establish an
administrative fee to cover the department's expenses in establishing
and maintaining the electronic system required by this section, as
allowed under subsection (i), the department may:
(1) require the fee to be paid:
(A) to the closing agent responsible for inputting the
information and submitting the form described in subsection
(c)(2); and
(B) by the borrower, the seller, or the buyer in the transaction;
(2) allow the closing agent described in subdivision (1)(A) to
retain a part of the fee collected to cover the closing agent's costs
in inputting the information and submitting the form described in
subsection (c)(2); and
(3) require the closing agent to pay the remainder of the fee
collected to the department for deposit in the title insurance
enforcement fund established by IC 27-7-3.6-1, for the
department's use in establishing and maintaining the electronic
system required by this section.
SECTION 10. IC 27-7-3-22, AS ADDED BY P.L.80-2013,
SECTION 4, IS AMENDED TO READ AS FOLLOWS [EFFECTIVE
JULY 1, 2025]: Sec. 22. (a) In a residential real estate transaction
described in section 15.5(a) and 15.5(b) of this chapter subsection (f)
in which:
(1) a title policy is issued by a company or title insurance
producer on behalf of a company; and
(2) the company or title insurance producer will also act as a
settlement or closing agent;
the company or title insurance producer shall issue a closing protection
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letter to the lender, borrower, buyer, and seller of the property. A
company authorized to do business under section 3 of this chapter shall
charge a fee approved under subsection (e) to each party receiving the
benefit of a closing protection letter.
(b) In a nonresidential real estate transaction in which:
(1) a title policy is issued by a company or title insurance
producer on behalf of a company; and
(2) the company or title insurance producer will also act as a
settlement or closing agent;
the company or title insurance producer may issue a closing protection
letter to the lender, borrower, buyer, and seller of the property on
request.
(c) A closing protection letter issued under this section must
indemnify the party to which the closing protection letter is issued
against any loss of settlement funds (under the terms and conditions of
the closing protection letter) that results from the following acts of the
company or title insurance producer that issues the closing protection
letter:
(1) Theft or misappropriation of settlement funds in connection
with a transaction in which the title policy is issued, only to the
extent that the theft or misappropriation relates to the:
(A) status of title to; or
(B) validity, enforceability, and priority of the lien of the
mortgage on;
the party's interest in land.
(2) Failure to comply with the written closing instructions agreed
to by the company or title insurance producer acting as the
settlement agent, only to the extent that the failure relates to the:
(A) status of title to; or
(B) validity, enforceability, and priority of the lien of the
mortgage on;
the party's interest in land.
(d) The issuance of a closing protection letter under this section in
contemplation of or in conjunction with the issuance of a title insurance
policy is part of the business of title insurance for purposes of section
3 of this chapter.
(e) The amount of the fee that a company authorized to do business
under section 3 of this chapter charges to each party receiving the
benefits of a closing protection letter:
(1) must be submitted to and approved by the commissioner under
IC 27-1-22-28; and
(2) is not subject to an agreement requiring a division of fees or
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premiums collected on behalf of the company.
(f) Subsection (a) applies to the following transactions:
(1) A mortgage transaction (as defined in IC 24-9-3-7(a)) that:
(A) is:
(i) a first lien purchase money mortgage transaction; or
(ii) a refinancing transaction; and
(B) is closed by a closing agent after December 31, 2009.
(2) A real estate transaction (as defined in IC 24-9-3-7(b))
that:
(A) does not involve a mortgage transaction described in
subdivision (1); and
(B) is closed by a closing agent (as defined in
IC 6-1.1-12-43(a)(2)) after December 31, 2011.
SECTION 11. IC 27-8-6-8, AS AMENDED BY P.L.93-2024,
SECTION 198, IS AMENDED TO READ AS FOLLOWS
[EFFECTIVE JULY 1, 2025]: Sec. 8. (a) As used in this section,
"emergency medical services" has the meaning set forth in
IC 16-18-2-110.
(b) As used in this section, "emergency medical services provider
organization" means a provider of emergency medical services that is
certified by the Indiana emergency medical services commission as an
advanced life support provider organization under rules adopted under
IC 16-31-3.
(c) As used in this section, "policy of accident and sickness
insurance" has the meaning set forth in IC 27-8-5-1. However, for
purposes of this section, the term does not include the following:
(1) Accident only, credit, dental, vision, Medicare supplement,
long term care, or disability income insurance.
(2) Coverage issued as a supplement to liability insurance.
(3) Automobile medical payment insurance.
(4) A specified disease policy.
(5) A policy that provides a stipulated daily, weekly, or monthly
payment to an insured without regard to the actual expense of the
confinement.
(6) A short term insurance plan (as defined in IC 27-8-5.9-3).
(d) A policy of accident and sickness insurance that provides
coverage for emergency medical services must provide reimbursement
for emergency medical services that are:
(1) rendered by an emergency medical services provider
organization;
(2) within the emergency medical services provider organization's
scope of practice;
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(3) performed or provided as advanced life support services; and
(4) performed or provided:
(A) during a response initiated through the 911 system; or
(B) as part of a mobile integrated healthcare program
described in IC 16-31-12;
regardless of whether the patient is transported.
(e) Reimbursement for basic and advanced life support services
through a policy to which this section applies must be provided on an
equal basis regardless of whether the services involve transportation of
the patient by ambulance.
(f) If multiple emergency medical services provider organizations
qualify and submit a claim for reimbursement under this section for an
encounter, the insurer:
(1) may reimburse under this section only for one (1) claim per
patient encounter; and
(2) shall reimburse the claim submitted by the emergency medical
services provider organization that performed or provided the
majority of advanced life support services for the patient.
(g) The department may adopt rules under IC 4-22-2 to implement
this section.
(h) This section does not require a policy of accident and sickness
insurance to provide coverage for emergency medical services.
SECTION 12. IC 27-8-15-14, AS AMENDED BY P.L.86-2018,
SECTION 208, IS AMENDED TO READ AS FOLLOWS
[EFFECTIVE JULY 1, 2025]: Sec. 14. (a) This subsection applies only
with respect to grandfathered health plan coverage described in 45
CFR 147.140. As used in this chapter, "small employer" means any
person, firm, corporation, limited liability company, partnership, or
association actively engaged in business who, on at least fifty percent
(50%) of the working days of the employer during the preceding
calendar year, employed at least two (2) but not more than fifty (50)
eligible employees, the majority of whom work in Indiana. In
determining the number of eligible employees, companies that are
affiliated companies or that are eligible to file a combined tax return for
purposes of state taxation are considered one (1) employer.
(b) This subsection applies only with respect to a health insurance
plan that does not provide grandfathered health plan coverage
described in 45 CFR 147.140. As used in this chapter, "small
employer" means any person, firm, corporation, limited liability
company, partnership, or association actively engaged in business who:
(1) on at least fifty percent (50%) of the working days of the
employer during the preceding calendar year, employed at least
HEA 1587 — CC 1
15
one (1) but not more than fifty (50) employees; or
(2) employed at least one (1) but not more than fifty (50)
employees during the preceding calendar year, as calculated
under STEP FIVE of the following formula:
STEP ONE: Determine the average number of employees
who were employed to work an average of at least thirty
(30) hours per week during the preceding calendar year.
STEP TWO: Determine the aggregate number of hours
worked by employees who were employed to work an
average of less than thirty (30) hours per week during the
preceding calendar year.
STEP THREE: Divide the number determined in STEP
TWO by twelve (12).
STEP FOUR: Divide the quotient determined in STEP
THREE by one hundred twenty (120).
STEP FIVE: Add the number determined in STEP ONE
and the quotient determined in STEP FOUR to determine
the number of employees employed by an employer for
purposes of this subdivision.
In determining the number of employees, companies that are treated as
a single employer under Section 414(b), 414(c), 414(m), or 414(o) of
the Internal Revenue Code are treated as one (1) employer.
(c) With respect to a health insurance plan subject to subsection
(b), a small employer insurer shall:
(1) use either the definition under subsection (b)(1) or (b)(2);
and
(2) apply the definition under subsection (b)(1) or (b)(2) in a
consistent manner without regard to the claims experience,
health status, duration of coverage, or case characteristics of
the employees of a small employer.
SECTION 13. IC 27-13-7-27, AS AMENDED BY P.L.93-2024,
SECTION 200, IS AMENDED TO READ AS FOLLOWS
[EFFECTIVE JULY 1, 2025]: Sec. 27. (a) This section applies to each
of the following:
(1) An individual contract.
(2) A group contract.
(b) As used in this section, "emergency medical services" has the
meaning set forth in IC 16-18-2-110.
(c) As used in this section, "emergency medical services provider
organization" means a provider of emergency medical services that is
certified by the Indiana emergency medical services commission as an
advanced life support provider organization under rules adopted under
HEA 1587 — CC 1
16
IC 16-31-3.
(d) An individual contract and a group contract that provide
coverage for emergency medical services must provide reimbursement
for emergency medical services that are:
(1) rendered by an emergency medical services provider
organization;
(2) within the emergency medical services provider organization's
scope of practice;
(3) performed or provided as advanced life support services; and
(4) performed or provided:
(A) during a response initiated through the 911 system; or
(B) as part of a mobile integrated healthcare program
described in IC 16-31-12;
regardless of whether the patient is transported.
(e) Reimbursement for basic and advanced life support services
through a contract to which this section applies must be provided on an
equal basis regardless of whether the services involve transportation of
the patient by ambulance.
(f) If multiple emergency medical services provider organizations
qualify and submit a claim for reimbursement under this section, the
health maintenance organization:
(1) may reimburse under this section only for one (1) claim per
patient encounter; and
(2) shall reimburse the claim submitted by the emergency medical
services provider organization that performed or provided the
majority of advanced life support services.
(g) The department may adopt rules under IC 4-22-2 to implement
this section.
(h) This section does not require an individual contract or a group
contract to provide coverage for emergency medical services.
SECTION 14. IC 34-30-2.1-54 IS REPEALED [EFFECTIVE JULY
1, 2025]. Sec. 54. IC 6-1.1-12-43 (Concerning a closing agent's failure
to provide a form concerning property tax benefits).
HEA 1587 — CC 1
Speaker of the House of Representatives
President of the Senate
President Pro Tempore
Governor of the State of Indiana
Date: Time:
HEA 1587 — CC 1Every fact on this page links to its source, starting with the official bill record.