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Read. Follow. Verify.Indiana bill allows health insurance policies and HMOs to let patients select physical or occupational therapists as primary care providers
Last action · December 1, 2025: First reading: referred to Committee on InsuranceSponsor: Victoria Garcia Wilburn
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What This Bill Proposed
Indiana House Bill 1016 permits policies and s that require selecting a primary care provider to allow insured individuals or enrollees to choose a participating physical therapist or occupational therapist for services, effective July 1, 2026.
Changes insurance plan structures by giving residents the option to designate licensed rehabilitation therapists in place of traditional practitioners, while prohibiting insurers from charging extra fees or higher copayments for this choice.
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.
Insured individuals and HMO enrollees
Individuals covered by accident and sickness insurance or HMO contracts gain the option to select a physical or occupational therapist as a primary care provider without facing extra fees.
Physical and occupational therapists
Licensed therapists gain statutory eligibility to be chosen by patients as primary care providers under participating health plans, subject to existing professional scope limits.
Health maintenance organizations and insurers
Insurers and HMOs are permitted to offer therapist primary care provider options and are required to update policy literature and adjust provider selection rules accordingly.
Key Facts
- Applies to policies of accident and sickness insurance and health maintenance organization contracts issued, delivered, amended, or renewed after June 30, 2026.
- Insurers and health maintenance organizations may permit an insured or enrollee to select a participating physical therapist or occupational therapist as a primary care provider.
- Insurers and HMOs must clearly state the availability of these provider options in policy literature.
- Insurers and HMOs are prohibited from charging higher premiums, copayments, or additional expenses for selecting a physical or occupational therapist as a primary provider.
Show all 5 facts
- Physical and occupational therapists remain strictly bound by their respective statutory scopes of practice under Indiana law.
Frequently Asked Questions
Can my health insurance company charge me extra if I choose a physical therapist as my primary care provider?
Does this bill expand what physical or occupational therapists are legally allowed to do?
What else do you want to know?
News Coverage
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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- Dec 1, 2025HouseIntroducedFirst reading: referred to Committee on Insurance
- Dec 1, 2025HouseAuthored by Representative Garcia Wilburn
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
iga.in.gov
Analysis Score
0–100- Significance20Lowered because this bill did not pass (its text scored 45)
- Controversy15Intensity of disagreement among stakeholders
- Entertainment5Compellingness for a non-policy-wonk reader
- Buzz20Current news / social attention level
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