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Read. Follow. Verify.Kentucky Bill HB 73 Caps Medical Debt Interest at Three Percent and Sets Judgment Limits
Last action · January 14, 2026: to Banking & Insurance (H)Sponsors: Rachel Roarx and 1 other
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What This Bill Proposed
Kentucky HB 73 caps the maximum interest rate on at three percent per annum and limits interest on related court judgments to the same rate. The measure also penalizes health facilities $500 for failing to provide required itemized billing statements to patients upon request.
Who It Would Have Affected
Groups the bill's text would have affected, as described in the record. Being affected is not a position for or against it.
patients with medical debt
health facilities
Health facilities are subject to a $500 civil fine for each failure to provide required itemized billing statements to patients.
Cabinet for Health and Family Services
The Cabinet is tasked with imposing civil fines on health care facilities that violate itemized statement requirements.
Key Facts
- The maximum rate of interest on medical debt is capped at three percent per annum.
- A judgment rendered in an action to collect medical debt shall bear interest at a rate not to exceed three percent per annum.
- Knowing violation of interest limits results in the forfeiture of the entire interest on the debt, and payers may recover twice the amount of interest paid within two years.
- Health facilities must furnish one free copy of an itemized statement of services within 30 days of discharge or 15 days of request.
Show all 5 facts
- The Cabinet for Health and Family Services shall impose a civil fine of five hundred dollars for each violation by a health care facility for failing to provide a required itemized statement.
Frequently Asked Questions
What is the penalty if a health facility fails to provide a requested itemized statement?
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Votes, people, money & the original sourceWhere This Stands
This bill did not become law - Died at adjournment · in House committee.
Procedural history
2 actions- Jan 14, 2026HouseCommitteeto Banking & Insurance (H)
- Jan 7, 2026HouseIntroducedintroduced in House to Committee on Committees (H)
Version history
Only one version on file - nothing to compare yet. As later stages (committee substitute, engrossed, enrolled) are captured, the redline appears here.
View official text →Lobbying Activity
No state lobbying filings in our records match this bill. Federal lobbying reports (LDA) cover Congress, so they are not listed on state bills.
Full breakdown
Who this bill affects and the strongest case for and against it, written only from the bill’s own text.
Sponsors
Connected Entities
Sources
apps.legislature.ky.gov
Analysis Score
0–100- Significance20Lowered because this bill did not pass (its text scored 65)
- Controversy35Intensity of disagreement among stakeholders
- Entertainment5Compellingness for a non-policy-wonk reader
- Buzz25Current news / social attention level
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