SB 220 Indiana Senate · 2026 Regular Session

Health care shopping and decision support program.

Summary
Requires, beginning January 1, 2028, a health carrier to: (1) implement a shopping and decision support program; and (2) provide incentives for covered individuals in a health plan who elect to receive a comparable health care service from a network provider that is paid less than the average allowed amount paid by the health carrier to network providers for the comparable health care service. Requires, beginning December 1, 2027, a health carrier to make available an interactive member portal that enables a covered individual to request and obtain certain information. Allows a health carrier to make the information available through a toll free telephone number. Sets forth reporting requirements for health carriers and the department of insurance concerning incentive payments made to covered individuals.
Bill status passed 3 of 5 stages cleared
Introduction
Jan 2026
Committee Review
Jan 2026
Senate Passage
Jan 2026
House Passage
Governor
Introduced Jan 8, 2026 Last action Jan 29, 2026
Maddy AI version diff · 2 comparisons

What changed between versions

Engrossed Senate Bill (H) Senate Bill (S) · 5 edits
MODERATE
The bill was renumbered from SB 220.2 to SB 220.1 and updated with new revision dates. The most significant change is the reorganization of the bill's sections, with Section 1 now focusing on adding Chapter 48.7 to the Indiana Code rather than adding a separate Section 2.5 to IC 27-1-47-2.5. The definition of 'health carrier' was expanded to explicitly exclude entities that only provide dental or vision coverage.
Scope change
The bill's structure was reorganized to consolidate the new Chapter 48.7 into Section 1, while removing the previous Section 1 that added a specific code section to IC 27-1-47-2.5. The effective date of July 1, 2026 remains unchanged.
TECHNICAL

Bill number changed from SB 220.2 to SB 220.1, indicating a revision in the legislative process.

Reorganized the bill's structure by moving the new Chapter 48.7 content to Section 1 and removing the previous Section 1, while keeping the effective date of July 1, 2026.

REQUIREMENT

Removed Section 1 that added IC 27-1-47-2.5, which provided an exception for incentives offered under IC 27-1-48.7 from violating other Indiana Code sections.

DEFINITION

Added new definitions for 'covered individual' (Section 3) and 'health care service' (Section 4) to clarify the scope of the Shopping and Decision Support Program.

Modified the definition of 'health carrier' to add an explicit exclusion for entities that only provide dental or vision care services, clarifying the program's applicability.

Floor votes · Senate Jan 27, 2026

How they voted

412
Passed · 5 other
Total votes 48
Jan 27, 2026
D Democratic9
7 Yea 2
77% Yea
R Republican39
34 Yea 2 Nay 3
87% Yea
Vote distribution
All Yea All Nay Mixed No data
Full legislative history

Actions timeline

Total actions
14
Key actions
3
Committee
1
Amendments
1
Jan 27, 2026
Upper · Passed
Third reading: passed; Roll Call 109: yeas 42, nays 2
upper
Jan 26, 2026
Upper · Passed
Amendment #2 (Charbonneau) prevailed; voice vote
upper
Jan 22, 2026
Upper · Passed
Committee report: do pass, adopted
upper
3 primary · 0 co-sponsors

Sponsors