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SB 85 IN
Passed One Chamber

Health care debt and costs.

IN · session 2026 · Senate · bill

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Introduced Dec 8, 2025

Latest action (Feb 2, 2026) First reading: referred to Committee on Public Health

Summary

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.

Sponsors (3)

17 coauthors / cosponsors

Action history (26)

  1. Dec 8, 2025 First reading: referred to Committee on Health and Provider Services · upper
  2. Dec 8, 2025 Authored by Senators Qaddoura, Charbonneau · upper
  3. Dec 9, 2025 Senator Qaddoura removed as author · upper
  4. Dec 9, 2025 Senator Charbonneau added as author · upper
  5. Dec 9, 2025 Senator Qaddoura added as second author · upper
  6. Dec 9, 2025 Senator Charbonneau removed as second author · upper
  7. Jan 8, 2026 Senator Becker added as coauthor · upper
  8. Jan 8, 2026 Senator Yoder added as coauthor · upper
  9. Jan 22, 2026 Senator Deery added as coauthor · upper
  10. Jan 22, 2026 Committee report: amend do pass, adopted · upper
  11. Jan 28, 2026 Senator Randolph added as coauthor · upper
  12. Jan 28, 2026 Second reading: ordered engrossed · upper
  13. Jan 29, 2026 Representative Barrett added as cosponsor · lower
  14. Jan 29, 2026 Representative Smaltz added as cosponsor · lower
  15. Jan 29, 2026 House sponsor: Representative McGuire · upper
  16. Jan 29, 2026 Cosponsor: Representative Goss-Reaves · upper
  17. Jan 29, 2026 Senators Alting, Doriot added as coauthors · upper
  18. Jan 29, 2026 Senator Ford J.D. added as coauthor · upper
  19. Jan 29, 2026 Senator Goode added as coauthor · upper
  20. Jan 29, 2026 Senator Jackson L added as coauthor · upper
  21. Jan 29, 2026 Senator Spencer added as coauthor · upper
  22. Jan 29, 2026 Senator Taylor G added as coauthor · upper
  23. Jan 29, 2026 Senators Walker G, Walker K, Bohacek added as coauthors · upper
  24. Jan 29, 2026 Third reading: passed; Roll Call 135: yeas 33, nays 15 · upper
  25. Jan 29, 2026 Referred to the House · upper
  26. Feb 2, 2026 First reading: referred to Committee on Public Health · lower
Subjects
AGENCIES; Department of Workforce Development (DWD)FINANCIAL SERVICES; GenerallyHEALTH CARE FACILITIES; HospitalsHEALTH; Billing and CostsLABOR AND EMPLOYMENT; Collective Bargaining, Benefits, and WagesSTATE ELECTED OFFICIALS; Attorney GeneralTRADE REGULATIONS; Consumer Credit and Consumer Protection (Including the Uniform Consumer Credit Code (UCCC))

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