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Bill > SB0085


IN SB0085

IN SB0085
Health care debt and costs.


summary

Introduced
12/08/2025
In Committee
02/02/2026
Crossed Over
01/29/2026
Passed
Dead
02/27/2026

Introduced Session

Potential new amendment
2026 Regular Session

Bill Summary

Health care debt and costs. Authorizes the attorney general to enforce provisions concerning health care debt wage garnishment and principal residence lien restrictions and establish a complaint process. Requires hospitals to do the following: (1) Offer a person who meets certain income guidelines and has received health services the opportunity to pay the charges through a payment plan that satisfies certain requirements. (2) Develop a written notice about a charity care program operated by the hospital, provide the notice to patients, and post the notice. (3) Include certain information concerning financial assistance on a billing statement. (4) Requires a hospital that reports an annual gross patient revenue of at least $20,000,000 to provide written notice and information to a person who has requested an eligibility determination concerning a payment plan or charity care. Provides that the unpaid earnings of a consumer who meets specified income eligibility requirements may not be attached by garnishment if an individual makes 200% of the federal income poverty level or less, and limits the amount to be garnished over a certain amount of the individual's disposable earnings in satisfaction of: (1) health care debt owed or alleged to be owed by the consumer; or (2) any amount of the judgment that represents health care debt determined to be owed by the consumer. Provides that: (1) health care debt owed or alleged to be owed by a consumer; or (2) in an action against a consumer in which a judgment has been entered, the amount of the judgment that represents health care debt determined to be owed by the consumer; does not constitute a lien against the consumer's principal residence for a consumer. Requires the disclosure of whether a debt is a health care debt in the execution of a judgment. Provides that in any action filed in Indiana for the recovery of health care debt owed or alleged to be owed by a consumer, the principal residence of the consumer is not liable to judgment or attachment or to be sold on execution against the consumer.

AI Summary

This bill aims to protect consumers from excessive healthcare debt by establishing new regulations for hospitals and debt collection. The Attorney General will be empowered to enforce rules regarding wage garnishment and liens on primary residences for healthcare debt, and will also create a complaint process for individuals to report violations. Hospitals will be required to offer payment plans to patients who meet certain income guidelines, provide clear written notices about their charity care programs, and include information about financial assistance on billing statements. For hospitals with significant annual revenue, they must provide specific written information to patients requesting eligibility for payment plans or charity care. The bill also limits the garnishment of wages for healthcare debt, preventing it entirely for individuals at or below 200% of the federal poverty level and capping it at 10% of disposable earnings above that threshold for others. Furthermore, it prohibits healthcare debt from becoming a lien on a consumer's principal residence, and requires that any judgment related to healthcare debt clearly identify it as such.

Committee Categories

Health and Social Services

Sponsors (20)

Last Action

First reading: referred to Committee on Public Health (on 02/02/2026)

bill text


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bill summary

Document Type Source Location
State Bill Page https://iga.in.gov/legislative/2026/bills/senate/85/details
Fiscal Note #3: Senate Comm Sub https://iga.in.gov/pdf-documents/124/2026/senate/bills/SB0085/fiscal-notes/SB0085.02.COMS.FN003.pdf
Fiscal Note #2: Senate Comm Sub https://iga.in.gov/pdf-documents/124/2026/senate/bills/SB0085/fiscal-notes/SB0085.02.COMS.FN002.pdf
Senate Amendment #1 https://iga.in.gov/pdf-documents/124/2026/senate/bills/SB0085/amendments/SB0085.02.COMS.AMS001.pdf
BillText https://iga.in.gov/pdf-documents/124/2026/senate/bills/SB0085/SB0085.02.COMS.pdf
Fiscal Note #1: Senate Comm Sub https://iga.in.gov/pdf-documents/124/2026/senate/bills/SB0085/fiscal-notes/SB0085.02.COMS.FN001.pdf
Senate Committee Report https://iga.in.gov/pdf-documents/124/2026/senate/bills/SB0085/committee-reports/SB0085.01.INTR.CRS001.pdf
Vote Sheet January 21, 2026 https://iga.in.gov/pdf-documents/124/2026/senate/bills/SB0085/votesheets/SB0085.01.INTR.03.pdf
Senate Health and Provider Services Amendment #8 https://iga.in.gov/pdf-documents/124/2026/senate/bills/SB0085/committee-amendments/amendments/SB0085.01.INTR.AMS08.pdf
Senate Health and Provider Services Amendment #9 https://iga.in.gov/pdf-documents/124/2026/senate/bills/SB0085/committee-amendments/amendments/SB0085.01.INTR.AMS09.pdf
BillText https://iga.in.gov/pdf-documents/124/2026/senate/bills/SB0085/SB0085.01.INTR.pdf
Fiscal Note #1: Introduced https://iga.in.gov/pdf-documents/124/2026/senate/bills/SB0085/fiscal-notes/SB0085.01.INTR.FN001.pdf
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