Insurance

This bill requires health insurance companies to provide a report on claims experience within 30 days of a written request from certain parties. It also clarifies that commercial insurance for farms cannot be used to determine if property is classified as agricultural. Additionally, the bill updates rules regarding reinsurance and the readability of insurance policies.

TN HB1304 is a house bill in the Tennessee 114th General Assembly, sponsored by William Lamberth (R), currently “Passed” since May 2, 2025.

We track 9,160 Tennessee bills this session, 258 of them sponsored by William Lamberth.

Supporters of the bill argue that it enhances transparency in the health insurance industry by ensuring timely access to claims experience reports. They believe that clarifying insurance classifications will help protect farmers and streamline the insurance process, ultimately benefiting the agricultural community.

Critics of the bill may contend that it could impose additional administrative burdens on insurance companies, potentially leading to increased costs for consumers. They might also argue that the changes to insurance classifications could create confusion and limit coverage options for farmers.

The sponsor of HB1304, William Lamberth, has a professional background as an attorney and is involved in various community and educational boards. However, there is no direct connection between his personal financial interests and the health insurance industry, which is the primary focus of the bill. The bill addresses insurance policy provisions, claims experience reports, and classifications of farm risks, none of which appear to intersect with Lamberth's legal practice or his consulting business. Additionally, his roles on community and educational boards do not present any apparent conflicts with the bill's subject matter.

Unlike federal analysis based on campaign donations, state analysis examines legislators' personal financial interests — their jobs, businesses, and investments.

Items marked "AI-researched" are generated from public sources but have not been independently verified. Verified data is sourced from official legislature websites and disclosure filings.