IN HB1051

Health care providers in Indiana are prohibited from reporting any health care debt information to consumer reporting agencies after June 30, 2026

Contracts between health care providers and third-party debt collectors must include provisions barring the reporting of medical debt to credit bureaus

Consumer reporting agencies cannot record or retain health care debt information reported after June 30, 2026 in consumer files

Consumers can request deletion of existing medical debt records from their credit files, and agencies must comply within 5 business days at no charge to the consumer

Violations constitute a deceptive act enforceable by the Indiana Attorney General under IC 24-5-0.5-4(c)