summary
Introduced
07/08/2025
07/08/2025
In Committee
10/29/2025
10/29/2025
Crossed Over
Passed
Dead
Introduced Session
Potential new amendment
2025-2026 Regular Session
Bill Summary
Under this bill, an insurer that offers a health insurance policy may not require a health care provider to accept payments under the health insurance policy via virtual credit card payment. The bill requires an insurer to inform a health care provider of the fees associated with any available payment methods and how to select a payment method other than virtual credit card payments before providing a payment via virtual credit card payment. The bill defines Xvirtual credit card paymentY as an electronic funds transfer in which an insurer issues a single-use series of numbers that are associated with a payment, are chargeable to a predetermined dollar amount, and expire upon payment processing. Additionally, under the bill, if an insurer transmits a payment to a health care provider in accordance with certain federal standards for transmitting electronic funds, the insurer may not charge a fee solely for the transmission, unless the provider has consented to the fee. Health insurance policies are referred to in the bill as disability insurance policies.
AI Summary
This bill introduces new regulations for health insurance (referred to as "disability insurance policies") regarding virtual credit card payments to healthcare providers. The bill defines a virtual credit card payment as a single-use electronic funds transfer with a predetermined dollar amount that expires after processing, which is different from using a physical credit card. Under the new law, insurers cannot force healthcare providers to accept virtual credit card payments, and they must first notify providers about any fees associated with different payment methods and provide clear instructions on how to select alternative payment options. Additionally, when insurers transmit payments according to specific federal standards, they are prohibited from charging transmission fees unless the healthcare provider explicitly consents. The bill also specifies that these requirements cannot be waived, and any contract provisions that contradict these rules will be considered void and unenforceable. The new regulations will apply to insurance contracts that are entered into, renewed, or modified on the bill's effective date, ensuring that healthcare providers have more control and transparency in how they receive insurance payments.
Committee Categories
Business and Industry
Sponsors (14)
David Armstrong (R)*,
Robert Brooks (R)*,
Barbara Dittrich (R)*,
Clint Moses (R)*,
Dave Murphy (R)*,
Jeff Mursau (R)*,
Jerry O'Connor (R)*,
William Penterman (R)*,
Nancy VanderMeer (R)*,
Rachael Cabral-Guevara (R),
Dan Feyen (R),
Chris Larson (D),
Steve Nass (R),
Jamie Wall (D),
Last Action
Representative Subeck added as a coauthor (on 01/14/2026)
Official Document
bill text
bill summary
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bill summary
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bill summary
| Document Type | Source Location |
|---|---|
| State Bill Page | https://docs.legis.wisconsin.gov/2025/proposals/reg/asm/bill/ab351 |
| Analysis - LC Amendment Memo | https://docs.legis.wisconsin.gov/document/lcamendmentmemos/2025/REG/AB351.pdf |
| AB351 ROCP for Committee on Insurance | https://docs.legis.wisconsin.gov/2025/related/records/assembly/insurance/1949670.pdf |
| Assembly Amendment 1 | https://docs.legis.wisconsin.gov/document/amends/2025/REG/AB351-AA1.pdf |
| BillText | https://docs.legis.wisconsin.gov/document/proposaltext/2025/REG/AB351.pdf |
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