HB 560 Utah House · 2026 General Session

Ambulance Amendments

HB 560 creates a new regulatory framework for ambulance membership organizations in Utah, which are entities that provide emergency medical transportation services through membership contracts. The bill establishes licensing requirements, annual reporting, reserve fund rules, and surety bond obligations for these organizations, while clarifying that their membership contracts are not considered "accident and health insurance." It specifically prohibits these organizations from selling contracts to individuals enrolled in Medicaid and sets requirements for members who later enroll in Medicaid. The bill directly affects ambulance membership organizations and their members, particularly those who rely on or transition to Medicaid coverage. No funding is appropriated for this legislation.

Bill status introduced 1 of 4 stages cleared

Introduction

Feb 2026

Committee Review

Floor Vote

Governor

Introduced Feb 13, 2026 Last action Mar 7, 2026

Maddy AI version diff · 1 comparison

What changed between versions

Introduced → Substitute #1 · 10 edits

MAJOR

This bill introduces a new chapter (31A-6c) to regulate ambulance membership organizations in Utah, which are contracts that reimburse members for emergency ambulance transportation costs. The bill clarifies that these contracts are not insurance, establishes licensing and reporting requirements, mandates financial safeguards like reserve funds and surety bonds, and prohibits selling these contracts to Medicaid enrollees. These changes provide consumer protections and regulatory oversight for a growing industry that fills gaps in emergency medical transportation coverage.

Scope change

The bill adds a new regulatory framework specifically for ambulance membership organizations, which were previously unregulated under Utah's insurance code. It creates exemptions from certain insurance chapters while establishing new oversight requirements.

SCOPE

Enacts a new chapter (31A-6c) specifically governing ambulance membership organizations, creating a dedicated regulatory framework for this industry.

DEFINITION

Amends the definition of 'accident and health insurance' to explicitly exclude ambulance membership contracts, clarifying their legal status.

REQUIREMENT

Requires ambulance membership organizations to maintain reserve funds equal to 20% of gross earned fee income and post surety bonds of at least $5,000 per 100 members.

Establishes annual reporting requirements, including disclosure of ambulance providers, member counts, and potential conflicts of interest.

Requires pre-contract disclosures in bold 12-point font stating the contract is not insurance, along with fee schedules and service area limitations.

Requires ambulance membership organizations to provide toll-free numbers and websites listing contracted ambulance providers for consumer transparency.

ELIGIBILITY

Prohibits ambulance membership organizations from selling contracts to individuals enrolled in Medicaid and requires refunds if members enroll in Medicaid during the contract term.

ENFORCEMENT

Gives the Insurance Commissioner authority to examine, investigate, suspend, or revoke licenses for violations, with penalties referenced from existing insurance code sections.

TIMELINE

Sets the effective date of the bill as May 6, 2026, providing a one-year implementation period for organizations to comply with new requirements.

TECHNICAL

Removes Senate Sponsor designation and makes formatting adjustments to align with standard legislative document structure.

Floor votes

How they voted

No floor votes recorded yet.

Full legislative history

Actions timeline

Total actions

Key actions

Committee

Feb 13, 2026

Introduced

House/ 1st reading (Introduced)

lower

1 primary · 0 co-sponsors