Senate Bill 367
Virtual credit card payments in health insurance policies
Topics: Credit, Insurance: Health
Became law
The governor signed it on Apr 6, 2026. It's .
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Introduced, passed
Jul 9, 2025
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Committee, passed
Approved
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Senate vote, passed
Passed Nov 18, 2025
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Assembly vote, passed
Passed Jan 13, 2026
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Governor, passed
Signed
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Law, here now
2025 Wisconsin Act 146
Latest entry in the official record, Apr 6, 2026: “Published 4-3-2026”
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The same bill was also filed in the Assembly as AB 351. That version died when the session ended.
Terms on this page
Wisconsin Act
The number a bill gets when it becomes law, like 2025 Wisconsin Act 12.
Official term: Act. More in the glossary
Legislative Reference Bureau
The Legislature's nonpartisan office that drafts bills and writes the summary at the top of each one.
Official term: LRB analysis. More in the glossary
Author
A lawmaker who formally puts a bill forward. The text itself is drafted by the Legislative Reference Bureau.
Official term: Author, coauthor. More in the glossary
Signed on in support
Lawmakers who back a bill without being one of its authors, often from the other chamber.
Official term: Cosponsor. More in the glossary
Roll call
A vote where each lawmaker's yes or no is recorded by name.
Official term: Roll call vote. More in the glossary
What it does
Summary by the , the Legislature's nonpartisan drafting office. It's their wording, not ours.
Under this bill, an insurer that offers a health insurance policy may not require a health care provider to accept payments under the health insurance policy via virtual credit card payment. The bill requires an insurer to inform a health care provider of the fees associated with any available payment methods and how to select a payment method other than virtual credit card payments before providing a payment via virtual credit card payment. The bill defines “virtual credit card payment” as an electronic funds transfer in which an insurer issues a single-use series of numbers that are associated with a payment, are chargeable to a predetermined dollar amount, and expire upon payment processing.
Additionally, under the bill, if an insurer transmits a payment to a health care provider in accordance with certain federal standards for transmitting electronic funds, the insurer may not charge a fee solely for the transmission, unless the provider has consented to the fee.
Read the full summary Show less
Health insurance policies are referred to in the bill as disability insurance policies.
Who's behind it
5 senators are its . 3 are Republicans and 2 are Democrats.
14 more lawmakers .
See all 19 names Hide the names
Authors (5)
- Rachael Cabral-Guevara · Republican, Senate
- Dan Feyen · Republican, Senate
- Chris Larson · Democrat, Senate
- Steve Nass · Republican, Senate
- Jamie Wall · Democrat, Senate
Signed on in support (14)
- Dave Armstrong · Republican, Assembly
- Rob Brooks · Republican, Assembly
- Barbara Dittrich · Republican, Assembly
- Alex Joers · Democrat, Assembly
- Clint Moses · Republican, Assembly
- Dave Murphy · Republican, Assembly
- Jeff Mursau · Republican, Assembly
- Jerry O'Connor · Republican, Assembly
- Will Penterman · Republican, Assembly
- Melissa Ratcliff · Democrat, Senate
- Lisa Subeck · Democrat, Assembly
- Randy Udell · Democrat, Assembly
- Nancy VanderMeer · Republican, Assembly
- Robyn Vining · Democrat, Assembly
Versions and amendments
Every text the Legislature printed for this bill, including proposed changes. Each opens on the Legislature's site.
How lawmakers voted
There were 2 votes on this bill.
Senate Committee on Insurance vote on an amendment
Passed, 4 to 1 · Oct 23, 2025
No member-by-member record exists for this vote. Committee votes and some older sessions record totals only.
Official motion: “Report adoption of Senate Amendment 1 recommended by Committee on Insurance, Housing, Rural Issues and Forestry, Ayes 4, Noes 1”. Official record · This vote on its own page
Senate Committee on Insurance vote to recommend it
Passed, 5 to 0 · Oct 23, 2025
No member-by-member record exists for this vote. Committee votes and some older sessions record totals only.
Official motion: “Report passage as amended recommended by Committee on Insurance, Housing, Rural Issues and Forestry, Ayes 5, Noes 0”. Official record · This vote on its own page
What happened
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Apr 6, 2026
The new law was published.
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Apr 6, 2026
The governor signed it. It became 2025 Wisconsin Act 146.
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Apr 2, 2026
Sent to the governor.
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Jan 15, 2026
1 more representative signed on in support.
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Jan 13, 2026
The Assembly passed it too.
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Jan 13, 2026
1 more representative signed on in support.
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Jan 7, 2026
Sent to the Assembly Committee on Rules.
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Nov 19, 2025
The Assembly received it.
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Nov 18, 2025
1 more senator signed on in support.
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Nov 18, 2025
The Senate passed it.
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Nov 18, 2025
The Senate adopted it.
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Oct 23, 2025
The committee voted to recommend passing it, 5 to 0.
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Oct 23, 2025
“Report adoption of Senate Amendment 1 recommended by Committee on Insurance, Housing, Rural Issues and Forestry, Ayes 4, Noes 1” (the official wording)
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Oct 17, 2025
1 more representative signed on in support.
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Oct 2, 2025
The committee held a public hearing.
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Aug 26, 2025
1 more representative signed on in support.
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Jul 9, 2025
Sent to the Senate Committee on Insurance, Housing, Rural Issues and Forestry.
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Jul 9, 2025
Introduced in the Senate.
See the official record, word for word Hide the official record
- Jul 9, 2025 · Senate
Introduced by Senators Cabral-Guevara, Feyen, Larson, Nass and Wall; cosponsored by Representatives Moses, VanderMeer, Armstrong, Brooks, Dittrich, Murphy, Mursau, O'Connor and Penterman
- Jul 9, 2025 · Senate
Read first time and referred to Committee on Insurance, Housing, Rural Issues and Forestry
- Aug 26, 2025 · Senate
Representative Joers added as a cosponsor
- Oct 2, 2025 · Senate
Public hearing held
- Oct 17, 2025 · Senate
Representative Udell added as a cosponsor
- Oct 21, 2025 · Senate
Senate Amendment 1 offered by Senator Cabral-Guevara
- Oct 23, 2025 · Senate
Executive action taken
- Oct 23, 2025 · Senate
Report adoption of Senate Amendment 1 recommended by Committee on Insurance, Housing, Rural Issues and Forestry, Ayes 4, Noes 1
- Oct 23, 2025 · Senate
Report passage as amended recommended by Committee on Insurance, Housing, Rural Issues and Forestry, Ayes 5, Noes 0
- Oct 23, 2025 · Senate
Available for scheduling
- Nov 14, 2025 · Senate
Placed on calendar 11-18-2025 pursuant to Senate Rule 18(1)
- Nov 18, 2025 · Senate
Read a second time
- Nov 18, 2025 · Senate
Senate Amendment 1 adopted
- Nov 18, 2025 · Senate
Ordered to a third reading
- Nov 18, 2025 · Senate
Rules suspended to give bill its third reading
- Nov 18, 2025 · Senate
Read a third time and passed
- Nov 18, 2025 · Senate
Senator Ratcliff added as a coauthor
- Nov 18, 2025 · Senate
Ordered immediately messaged
- Nov 19, 2025 · Assembly
Received from Senate
- Jan 7, 2026 · Assembly
Read first time and referred to committee on Rules
- Jan 8, 2026 · Assembly
Placed on calendar 1-13-2026 by Committee on Rules
- Jan 13, 2026 · Assembly
Representative Vining added as a cosponsor
- Jan 13, 2026 · Assembly
Rules suspended to withdraw from calendar and take up
- Jan 13, 2026 · Assembly
Read a second time
- Jan 13, 2026 · Assembly
Ordered to a third reading
- Jan 13, 2026 · Assembly
Rules suspended
- Jan 13, 2026 · Assembly
Read a third time and concurred in
- Jan 13, 2026 · Assembly
Ordered immediately messaged
- Jan 14, 2026 · Senate
Received from Assembly concurred in
- Jan 15, 2026 · Senate
Representative Subeck added as a cosponsor
- Jan 15, 2026 · Senate
Report correctly enrolled
- Apr 2, 2026 · Senate
Presented to the Governor on 4-2-2026
- Apr 6, 2026 · Senate
Report approved by the Governor on 4-2-2026. 2025 Wisconsin Act 146
- Apr 6, 2026 · Senate
Published 4-3-2026
Terms on this page
Wisconsin Act
The number a bill gets when it becomes law, like 2025 Wisconsin Act 12.
Official term: Act. More in the glossary
Legislative Reference Bureau
The Legislature's nonpartisan office that drafts bills and writes the summary at the top of each one.
Official term: LRB analysis. More in the glossary
Author
A lawmaker who formally puts a bill forward. The text itself is drafted by the Legislative Reference Bureau.
Official term: Author, coauthor. More in the glossary
Signed on in support
Lawmakers who back a bill without being one of its authors, often from the other chamber.
Official term: Cosponsor. More in the glossary
Roll call
A vote where each lawmaker's yes or no is recorded by name.
Official term: Roll call vote. More in the glossary
From the Wisconsin Legislature's official record, checked Sep 15, 2026. See the source
Wisconsin Act
The number a bill gets when it becomes law, like 2025 Wisconsin Act 12.
Official term: Act
Legislative Reference Bureau
The Legislature's nonpartisan office that drafts bills and writes the summary at the top of each one.
Official term: LRB analysis
Signed on in support
Lawmakers who back a bill without being one of its authors, often from the other chamber.
Official term: Cosponsor
Roll call
A vote where each lawmaker's yes or no is recorded by name.
Official term: Roll call vote