Sign in

Back to the bill

91st General Assembly · Funnel one-pager · Monday, November 9, 2026

HF 2635: Relating to health carriers standards of conduct; utilization review organizations, artificial intelligence, audits, and prior authorizations; certificate of need processes; and including applicability provisions

Signed into law

What it does

This bill relates to health carriers and payment of claims, audits, and standards of conduct, prior authorizations, and utilization review organizations. DIVISION I —— HEALTH INSURANCE TRADE PRACTICES. Under current law, an insurer shall either accept and pay or deny a clean claim. Under the bill, an insurer shall either accept and pay or deny a clean claim no later than days after receiving an electronic claim submission, or days after receiving a claim submitted on paper. After paying a clean claim, the insurer shall not retroactively deny, reduce, or recoup payment of the claim, except if the claim submission included a misrepresentation, was fraudulent, or was a duplicate submission, and the insurer first provides written notice including evidence to the health care provider (provider) that submitted the claim of the misrepresentation, fraud, or duplicate submission.

Sponsors

Rep. Austin Harris (R), Rep. David E. Young (R)

Cost

Can’t be estimated

Division I of the Bill may increase costs to the State of Iowa and the BOR universities’ health plans incurred in responding to audits of clean claims; any potential fiscal impact is unknown but may be significant.

Lobbying · 25 for, 6 against

For: American College of Obstetricians & Gynecologists; Americans For Prosperity; Bellin Gundersen Health System, Inc.; Brain Injury Association of Iowa; Broadlawns Medical Center; Central Iowa Physicians; Easterseals Iowa; Episcopal Diocese of Iowa; Iowa Academy of Family Physicians; Iowa Association of Ambulatory Surgery Centers; Iowa Chapter-American Academy of Pediatrics; Iowa Chiropractic Society; and 13 more

Against: Cigna Corporate Services, LLC; Elevance Health, and its Affiliates dba Anthem, Inc.; Federation of Iowa Insurers; Iowa Total Care, A Subsidiary of Centene Corporation; Molina Healthcare, Inc.; United Healthcare Services, Inc.

In plain words

  1. February 19, 2026Filed in the House
  2. March 3, 2026Cost estimate (fiscal note) posted
  3. March 3, 2026Passed the House, 94–1
  4. March 4, 2026Arrived in the Senate
  5. March 4, 2026Took the place of SF 2421 on the Senate floor (the same legislation)
  6. March 4, 2026Passed the Senate, 44–0
  7. March 5, 2026Passed the House, 87–0
  8. March 31, 2026Cost estimate (fiscal note) posted
  9. May 6, 2026Sent to the Governor
  10. May 13, 2026Signed into law

From public records at legis.iowa.gov, compiled by Funnel (iowafunnel.com), an independent, nonpartisan site. Current as of Monday, November 9, 2026. https://iowafunnel.com/bills/91/HF2635