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HB 2043

felony murder; unborn child

57th Legislature - Second Regular Session Introduced by Selina Bliss

HB 2043 tightens insurer/agent response times to regulators (14 days for complaints, 15 days for other inquiries) and lets rebate pilots extend beyond one year.

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Bill Summary · HB 2043

Summary — HB 2043 (2025 session, Kansas)

Main purpose

HB 2043 amends Kansas insurance law to (1) shorten and clarify the time insurers and agents have to respond to inquiries from the Commissioner of Insurance and (2) permit certain insurer “rebate” pilot or testing programs (value‑added products or services) to be extended beyond the current one‑year limitation when more time is needed to evaluate results.

Key provisions

  • Response deadlines to the Commissioner of Insurance:
    • Requires an agent or insurer to respond to an inquiry from the Insurance Department regarding a consumer complaint within 14 calendar days of receipt.
    • (As amended by the Senate Committee) sets a 15 business‑day response period for all other Department inquiries.
  • Enforcement authority:
    • Adds the failure of an insurer (and, in some provisions, an agent) to respond to a Department inquiry to the list of actions that may justify the Commissioner denying, suspending, revoking, or refusing to renew a license or application.
  • Rebate pilot program (value‑added products/services):
    • Allows an insurer or producer to request the Commissioner extend a pilot/testing period beyond one year if additional time is needed to determine whether the value‑added product or service meets statutory criteria.
  • Statutory changes:
    • Amends K.S.A. 2024 Supp. 40‑2404 and 40‑4909 (and repeals prior versions of those sections).
  • Effective date:
    • (Per Senate Committee amendment) the bill would take effect upon publication in the Kansas Register.

Who is affected

  • Insurers licensed in Kansas and insurance producers/agents: new, shorter response timelines and potential licensing consequences for nonresponse.
  • Kansas Insurance Department / Commissioner of Insurance: clarified timelines for investigations and broader discretion to extend pilot programs.
  • Consumers: potentially faster complaint handling; may see longer pilot periods for certain insurer value‑added programs that require more time to evaluate.

Fiscal impact

  • The Division of the Budget fiscal note (Kansas) reports the Kansas Insurance Department indicates enactment would have no fiscal effect.

Legislative status / procedural notes

  • Introduced: January 23, 2025 (by House Committee on Insurance, requested by Kansas Insurance Department).
  • Passed committee and received amendments in both House and Senate; Senate Committee added the 14‑calendar/15‑business‑day clarification and changed effective date.
  • Companion bill: SB 938.
  • Current status (per record provided): Motion to accede adopted; Senators Dietrich, Fagg, and Francisco appointed as conferees (conference process to resolve chamber differences).

Compiled from official sources — confirm details with the bill’s official record.

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