SSB 3177: Relating to insurance coverage for emergency services, reimbursements for out-of-network providers, and complicating factors

What it does

This bill relates to insurance coverage for emergency services, reimbursements for out-of-network providers, and complicating factors. The bill requires a policy, contract, or plan providing for third-party payment or prepayment of medical expenses to provide coverage for health care services (services) provided to a covered person by an out-of-network provider if the services are emergency services, or the services were provided at a participating facility and the covered person could not receive the services from a participating provider.

Senate subcommittee · named February 17, 2026

• Sen. Mike Bousselot (R) · mike.bousselot@legis.iowa.gov
• Sen. Izaah Knox (D) · izaah.knox@legis.iowa.gov
• Sen. Jason Schultz (R) · jason.schultz@legis.iowa.gov

Lobbying · 4 for, 10 against

For: Federation of Iowa Insurers; Iowa Total Care, A Subsidiary of Centene Corporation; Iowans for Affordable Healthcare; Wellmark, Inc.

Against: American College of Obstetricians & Gynecologists; Bellin Gundersen Health System, Inc.; City of Waukee; Iowa Emergency Medical Services Association; Iowa Hospital Association; Iowa Independent Physician Group; Iowa Medical Society; Iowa Society of Anesthesiologists; MercyOne; UnityPoint Health

In plain words

1. February 17, 2026Filed in the Senate and sent to the Commerce committee
2. February 17, 2026Senate subcommittee named: Bousselot, Knox and Schultz
3. February 19, 2026Subcommittee recommended passing it
4. February 19, 2026Approved by the Senate committee, and given a new number: SF 2455