INSURANCE – Amends existing law to provide additional exceptions to insurance discrimination and rebate provisions for value-added products or services.

H 72 amends Idaho's insurance law to allow insurers to offer value-added products or services (like risk management tools, health programs, or financial planning) at no or reduced cost to policyholders, provided these services directly support insurance coverage and meet specific criteria. It requires such services to be reasonably priced compared to policy premiums, non-discriminatory, and tied to objectives like loss mitigation, risk reduction, or health enhancement. Insurers must provide customer contact information and document objective criteria for offering these services. The bill also permits a one-year pilot program for new services, with prior notice to the Department of Insurance, and allows future regulations for consumer protection. This bill affects insurers and policyholders by expanding permitted service offerings under existing anti-discrimination rules.