Bill > HB1050

This bill creates new protections for Indiana residents against medical debt liens on their primary residence. The legislation defines key terms like "consumer" (an Indiana resident, including protected consumers), "health care debt" (medical service obligations), and "principal residence" (the primary home owned or being purchased by the consumer). Under the new law, medical debts cannot be used to create a legal claim or lien against a person's primary residence, even if a court judgment is obtained. The bill specifically prohibits health care providers, their affiliates, and other parties from asserting or enforcing a lien against a consumer's principal residence for unpaid medical expenses. This protection applies to medical debts from various health care providers, including doctors, ambulance services, and other medical professionals, and explicitly excludes credit card debt unless the card was specifically issued for medical expenses. The bill includes an emergency declaration, meaning it takes effect immediately upon passage, and aims to prevent medical debt from potentially causing homeowners to lose their primary residence due to outstanding medical bills.

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https://iga.in.gov/legislative/2026/bills/house/1050/details