2026 Policy Priorities

PIA is increasingly concerned about Legal System Abuse, especially the rapid growth of third‑party litigation funding (TPLF) and its implications for the insurance marketplace, claims costs, and the integrity of the U.S. judicial system. TPLF arrangements, where outside investors finance lawsuits in exchange for a share of the proceeds, often operate without transparency. This lack of disclosure raises serious concerns, particularly when foreign entities may have financial interests in U.S. litigation.

For more details on PIA’s advocacy on legal system abuse, please visit the Legal System Abuse of the PIA Policy Priorities webpage.

PIA supports legislation to repeal or reform the Federal Insurance Office (FIO), a federal body overseen by the Treasury Department. Congress created the FIO in the 2010 Dodd-Frank Wall Street Reform and Consumer Protection Act, and it is an ongoing threat to the successful state insurance regulatory system. 

For more details on PIA’s efforts to repeal or reform the FIO, please visit the FIO section of the PIA Policy Priorities webpage. 

PIA supports the federal crop insurance program, a highly technical program which relies on the expertise of independent insurance agents. The program requires private-sector insurance carriers to offer crop insurance to eligible growers who are interested in purchasing it. Importantly, the annual administrative & operating (A&O) inflation adjustment for crop agents has been reinstated beginning with the 2026 reinsurance year. 

For more details on PIA’s advocacy in the area of crop insurance, please visit the Crop Insurance section of the PIA Policy Priorities webpage. 

The authority for the NFIP to function has been extended on a short-term basis over 30 times since 2017. The NFIP’s most recent five-year reauthorization expired in 2017, and, in advance of that deadline, the 115th Congress was unable to agree on NFIP reforms. PIA supports a long-term reauthorization of the program with needed reforms, like investments in agent training, updated mapping, and a means-tested affordability program. 

For more details on PIA’s advocacy in the area of flood insurance, please visit the Flood Insurance section of the PIA Policy Priorities webpage. 

Unfair and opaque marketing and compensation practices within the Medicare Advantage (MA) program have emerged as one of the most significant and widespread concerns raised by members of the Professional Insurance Agents (PIA) and other independent agent organizations nationwide.

Independent agents report inconsistent commission structures, non‑transparent payment practices, and compensation policies that disproportionately favor large distribution models. These practices disadvantage independent agents, restrict beneficiary choice, and threaten the long‑term sustainability of agent‑provided Medicare guidance relied upon by millions of seniors.

As always, PIA's work will continue to extend to countless other issues in 2026, including insurance data security; cannabis safe-harbor for agents; the defense of the employer-sponsored health insurance market; and the implementation of the National Association of Registered Agents and Brokers (NARAB).