republic-os/legislation/us/states/in/2026/hb-1260.md

---
type: "Bill"
title: "Various insurance matters."
description: "Requires a person or entity to furnish information relating to a fraudulent insurance act to the department of insurance or the National Insurance Crime Bureau. Provides that a person or entity is not subject to civil or criminal liability for filing a report or furnishing other information concerning a fraudulent insurance act under certain circumstances. Sets forth a fee schedule for providing unrestricted data to certain entities from the all payer claims data base. Makes various changes to: (1) provisions relating to notice of material change; and (2) the property and casualty insurance and guaranty association law. Allows the insurance commissioner to waive the requirements for a merger or consolidation of a farm mutual insurance company with any other company if an emergency event occurs. Provides that a policy of insurance that provides coverage in excess of any liability relating to a self-insured retention amount shall be considered a commercial umbrella or excess liability policy under the uninsured and underinsured motorist coverage provision. Requires an insurer of automobile insurance policies to mail a notice of nonrenewal at least 30 days before the expiration of the policy. Requires an insurer of residential policies to: (1) mail a notice of nonrenewal at least 60 days before the expiration of the policy; and (2) take certain actions when the insurer utilizes aerial images as part of the insurer's coverage determinations. Allows co-owners of a condominium that meets certain conditions to obtain property and casualty insurance coverage for the condominium units by purchasing a master policy or by allowing each co-owner to purchase insurance on an individual basis. Requires an insurer and a health maintenance organization to provide an insurance producer with access to a complete list of providers who have entered into a reimbursement agreement with the insurer or health maintenance organization. Provides that the prohibition on denying, conditioning, or discriminating in the pricing of Medicare supplement policies for certain applicants applies to an applicant who submits an application during the period beginning one month before the applicant's birthday and ending one month after the applicant's birthday. Provides that the insurance commissioner has the authority to take certain actions relating to the creation, implementation, or operation of a health benefit exchange. Requires the department of insurance to annually report information to the budget committee regarding the fee schedule for providing unrestricted data that is being added in the bill."
jurisdiction: "us/states/in"
legislature: "Indiana General Assembly"
session: "2026"
identifier: "HB 1260"
citation: "Indiana HB 1260 (2026)"
classification: ["bill"]
subjects: ["AGENCIES; Department of Insurance (IDOI)", "INSURANCE; Generally", "INSURANCE; Motor Vehicles", "INSURANCE; Property (Excluding Motor Vehicles)"]
status: "enacted"
primary_sponsors: ["Matt Lehman", "Scott Baldwin"]
version_count: 4
action_count: 30
vote_count: 3
first_action: "2026-01-05"
last_action: "2026-03-04"
source: "openstates"
source_identifier: "ocd-bill/9f2c6ffb-a547-4319-9099-383f3bf0d015"
source_url: "https://api.iga.in.gov/2026/bills/hb1260"
source_hash: "a13e0b43aa568bfa18c1db4d7fe6773248339afdd5ef96fd67ec76a0a59caec7"
vintage: "2026-07-01"
source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
retrieved_at: "2026-07-06"
confidence: "reported"
tags: ["legislation", "bill", "us-in"]
---

# Indiana HB 1260 (2026) — Various insurance matters.

Requires a person or entity to furnish information relating to a fraudulent insurance act to the department of insurance or the National Insurance Crime Bureau. Provides that a person or entity is not subject to civil or criminal liability for filing a report or furnishing other information concerning a fraudulent insurance act under certain circumstances. Sets forth a fee schedule for providing unrestricted data to certain entities from the all payer claims data base. Makes various changes to: (1) provisions relating to notice of material change; and (2) the property and casualty insurance and guaranty association law. Allows the insurance commissioner to waive the requirements for a merger or consolidation of a farm mutual insurance company with any other company if an emergency event occurs. Provides that a policy of insurance that provides coverage in excess of any liability relating to a self-insured retention amount shall be considered a commercial umbrella or excess liability policy under the uninsured and underinsured motorist coverage provision. Requires an insurer of automobile insurance policies to mail a notice of nonrenewal at least 30 days before the expiration of the policy. Requires an insurer of residential policies to: (1) mail a notice of nonrenewal at least 60 days before the expiration of the policy; and (2) take certain actions when the insurer utilizes aerial images as part of the insurer's coverage determinations. Allows co-owners of a condominium that meets certain conditions to obtain property and casualty insurance coverage for the condominium units by purchasing a master policy or by allowing each co-owner to purchase insurance on an individual basis. Requires an insurer and a health maintenance organization to provide an insurance producer with access to a complete list of providers who have entered into a reimbursement agreement with the insurer or health maintenance organization. Provides that the prohibition on denying, conditioning, or discriminating in the pricing of Medicare supplement policies for certain applicants applies to an applicant who submits an application during the period beginning one month before the applicant's birthday and ending one month after the applicant's birthday. Provides that the insurance commissioner has the authority to take certain actions relating to the creation, implementation, or operation of a health benefit exchange. Requires the department of insurance to annually report information to the budget committee regarding the fee schedule for providing unrestricted data that is being added in the bill.

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **Engrossed House Bill (H)** (committee substitute) — [source](https://iga.in.gov/pdf-documents/124/2026/house/bills/HB1260/HB1260.05.ENGS.pdf)
2. **Enrolled House Bill (H)** (committee substitute) — [source](https://iga.in.gov/pdf-documents/124/2026/house/bills/HB1260/HB1260.06.ENRS.pdf)
3. **House Bill (S)** (committee substitute) — [source](https://iga.in.gov/pdf-documents/124/2026/house/bills/HB1260/HB1260.04.COMS.pdf)
4. **Introduced House Bill (H)** (committee substitute) — [source](https://iga.in.gov/pdf-documents/124/2026/house/bills/HB1260/HB1260.01.INTR.pdf)

## Votes

- HB 1260 - Lehman - 3rd Reading — **92–1** (pass) · lower
- HB 1260 - Lehman — **78–12** (pass) · lower
- HB 1260 - Baldwin - 3rd Reading — **48–0** (pass) · upper

## Sponsors

- Matt Lehman — primary (person)
- Scott Baldwin — primary (person)
- Lonnie Randolph — cosponsor (person)
- Martin Carbaugh — coauthor (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2026-01-05** First reading: referred to Committee on Insurance `reading-1, referral-committee`
- **2026-01-05** Authored by Representative Lehman
- **2026-01-05** Coauthored by Representative Carbaugh
- **2026-01-20** Committee report: amend do pass, adopted `committee-passage`
- **2026-01-22** Second reading: ordered engrossed `reading-2`
- **2026-01-22** Amendment #1 (Garcia Wilburn) motion withdrawn `amendment-withdrawal, withdrawal`
- **2026-01-28** Senate sponsor: Senator Baldwin
- **2026-01-28** Third reading: passed; Roll Call 130: yeas 92, nays 1 `passage, reading-3, reading-3`
- **2026-01-29** Referred to the Senate `referral`
- **2026-02-02** First reading: referred to Committee on Insurance and Financial Institutions `reading-1, referral-committee`
- **2026-02-09** Senator Randolph added as cosponsor
- **2026-02-12** Committee report: amend do pass adopted; reassigned to Committee on Appropriations `committee-passage, referral-committee`
- **2026-02-19** Committee report: amend do pass, adopted `committee-passage`
- **2026-02-23** Second reading: amended, ordered engrossed `reading-2`
- **2026-02-23** Amendment #1 (Baldwin) prevailed; voice vote `amendment-passage`
- **2026-02-24** House dissented from Senate amendments
- **2026-02-24** Motion to dissent filed `filing`
- **2026-02-24** Returned to the House with amendments `receipt`
- **2026-02-24** Third reading: passed; Roll Call 245: yeas 48, nays 0 `passage, reading-3, reading-3`
- **2026-02-25** Motion to concur filed `filing`
- **2026-02-25** House conferees appointed: Lehman, Dvorak
- **2026-02-25** House advisors appointed: Carbaugh, Mayfield, Campbell, Garcia Wilburn
- **2026-02-25** Senate conferees appointed: Baldwin, Randolph Lonnie M
- **2026-02-25** Senate advisors appointed: Walker K, Qaddoura
- **2026-02-26** Signed by the Speaker `passage`
- **2026-02-26** House concurred with Senate amendments; Roll Call 392: yeas 78, nays 12
- **2026-03-04** Signed by the Governor `executive-signature`
- **2026-02-27** Signed by the President of the Senate `passage`
- **2026-03-04** Public Law 86 `became-law`
- **2026-02-27** Signed by the President Pro Tempore `passage`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/9f2c6ffb-a547-4319-9099-383f3bf0d015`. Confidence: reported (aggregated from official Indiana legislature records).