Environment
No direct effect
Neutral — no direct effect identified.
Benefits
- No material direct effect identified.
Risks
- No material direct effect identified.
Committee on Judiciary
HB 2351 status: In Committee — Died in Committee (updated Apr 10, 2026).

Source
OpenStates
Confidence
Low
Analysis basis
OpenStates summary
Official summary alongside an AI-generated read on where it stands and why.
Overall Score
Bill summary
Here is a simple breakdown of the bill: **The Goal:** To make it easier for you to sue your insurance company in court if you have a disagreement. **The Change:** Many insurance contracts currently include "fine print" that forces you to use a private mediator (arbitrator) instead of going to court. This bill would make those forced-arbitration rules invalid, giving you the right to take your case to a judge or jury instead. **The Fine Print:** There are a few specific exceptions where arbitration might still be allowed. **Status:** The bill is currently being reviewed in the House of Representatives.
Modeled effects across six domains, estimated from bill text and comparable legislation.
No direct effect
Neutral — no direct effect identified.
Mixed / Neutral
Positive outlook
No direct effect
Neutral — no direct effect identified.
Positive outlook
No direct effect
Neutral — no direct effect identified.
Sourcing already shown above, this is what the analysis found worth flagging.
Source
OpenStates
Official bill text or data from OpenStates.
Confidence
Low
Information is limited or incomplete.
Analysis basis
OpenStates summary
Source used for this bill's analysis.
Source note
Implementation could lead to significant increases in civil litigation costs for insurance providers.
!Analysis scope
Source provided is a summary and does not contain the full legal text of the bill.

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