Bill > SB0220

This bill establishes a Health Care Shopping and Decision Support Program, requiring health carriers (entities that provide or pay for health care services, including insurers and health maintenance organizations) to implement such a program by January 1, 2028. This program will offer shopping capabilities and decision support services to individuals covered by a health plan, and importantly, will provide incentives to these covered individuals if they choose to receive a comparable health care service (like physical therapy, radiology, or lab services, but not dental or vision) from a network provider who charges less than the average amount the health carrier typically pays for that service. These incentives, which must be at least 50% of the health carrier's savings, can be given as cash, a credit towards deductibles or out-of-pocket costs, or a reduction in premiums or copayments. Additionally, starting December 1, 2027, health carriers must provide an interactive member portal, or a toll-free phone number, where covered individuals can access information about their out-of-pocket costs, average provider payments, and provider quality data, and this bill also clarifies that offering such incentives does not violate existing laws regarding unfair practices.

Business and Industry, Health and Social Services

https://iga.in.gov/legislative/2026/bills/senate/220/details