State DOI

New Health Insurance Laws - 2025 Wisconsin Acts 103 and 122

The Wisconsin Office of the Commissioner of Insurance issued a bulletin summarizing two recently enacted laws affecting health insurers. 2025 Wisconsin Act 103 modifies mammogram coverage by requiring insurers to cover diagnostic breast examinations without cost-sharing and supplemental breast screening examinations for individuals with increased breast cancer risk or dense breast tissue. 2025 Wisconsin Act 122 makes technical changes including removing a deadline for OCI to reapply for the federal 1332 waiver and clarifying navigator licensure requirements.

DCI Offers Severe Weather Insurance Recovery Guidance

The Missouri Department of Commerce and Insurance issued guidance for Missourians affected by recent severe storms, reminding consumers of the department's free Consumer Hotline (800-726-7390) and online resources for insurance-related questions. DCI's Consumer Affairs Division recovered a record $46.2 million on behalf of Missouri consumers in 2025. The guidance advises affected policyholders to document damage with photos, retain receipts for emergency repairs, and contact their insurer promptly to initiate the claims process.

NIPR Invoice Phishing Scam Warning for Licensed Insurance Producers

The Oklahoma Insurance Department, under Commissioner Glen Mulready, issued a special notice on April 15, 2026 warning all licensed insurance producers about an active phishing email campaign impersonating the National Insurance Producer Registry (NIPR). Fraudulent emails referencing past due invoices appear to originate from @nipr.com, @naic.org, or @stripe domains and request payment. NIPR's cybersecurity team is actively investigating, and warning alerts have been posted on NIPR.com and within the Licensing Center.

Producers and Adjusters Bulletin No. 41 - NIPR Phishing Email Warning

The Delaware Department of Insurance issued Bulletin No. 41 warning licensed insurance professionals of a targeted phishing campaign impersonating the National Insurance Producer Registry (NIPR). Fraudulent emails claim to be past-due invoices and may appear from @nipr.com, @naic.org, or @stripe.com domains. The Department advises licensees to verify unexpected invoices directly with NIPR and not click links or open attachments in suspicious messages.

Commissioner Causey Highlights Distracted Driving Dangers in Charlotte

Insurance Commissioner Mike Causey joined traffic safety advocates at a news conference in Charlotte on April 15, 2026, to mark Distracted Driving Awareness Month. The Commissioner cited NHTSA data attributing 3,208 deaths to distracted driving in 2024 and warned that cell phone use while driving is the leading cause of crashes, also contributing to rising auto insurance rates.

Commissioner Schmidt Offers Severe Weather Insurance Claim Assistance to Six Kansas Counties

Kansas Insurance Commissioner Vicki Schmidt is offering assistance to residents, businesses, and insurance agents affected by severe weather in Chase, Franklin, Linn, Lyon, Miami, and Osage Counties. The Department of Insurance urges anyone with insurance claim issues stemming from the storm to contact its Consumer Assistance Division for help.

Guidelines on Use of Aerial Imagery in Insurance Coverage Determinations

The Tennessee Department of Commerce & Insurance issued bulletin AerialImageryBulletin25-03 providing guidelines for insurance carriers using aerial imagery and drone photography when inspecting consumer properties. The bulletin warns that aerial imagery should not be the sole basis for coverage decisions and requires insurers to notify homeowners when such imagery is used. The bulletin also warns that using low-resolution or outdated aerial imagery to deny claims may constitute an unfair claims practice under Tenn. Code Ann. § 56-8-105.

IBHS Wildfire Prepared Home Program Expands to Washington

The Insurance Institute for Business and Home Safety (IBHS) expanded its Wildfire Prepared Home designation program to Washington and nine other states. The voluntary program offers homeowners in high-risk wildfire areas science-based mitigation steps to reduce ignition risk from wind-driven embers. Two designation levels are available: Wildfire Prepared Home and Wildfire Prepared Home Plus, along with a Wildfire Prepared Neighborhood option for builders and communities.

Federal Assistance Available for Washingtonians Impacted by December 2025 Floods

FEMA announced federal disaster assistance is available for Washington residents impacted by December 2025 flooding. Aid is accessible to individuals in Chelan, Grays Harbor, King, Lewis, Pacific, Pierce, Skagit, Snohomish, Thurston, and Whatcom counties, plus tribal communities. Assistance includes temporary housing, home repairs, and low-cost loans for uninsured property losses.

Surplus Lines Export List Adoption Following March 19 Public Hearing

The Delaware Insurance Commissioner issued a Final Order adopting the Surplus Lines Export List effective April 13, 2026, following a public hearing held March 19, 2026. The Export List identifies insurance coverages that may be placed with eligible surplus lines insurers without first conducting a diligent search among admitted carriers, consistent with 18 Del. C. § 1912. The Department explicitly notes that the Export List does not change existing insurer eligibility standards or compliance obligations.

ATRIO Health Plans Placed Under Supervision Over Financial Condition

The Oregon Division of Financial Regulation issued an order of supervision to ATRIO Health Plans, Inc. on April 13, 2026, due to the insurer's excessive operating losses over the past 12 months and inadequate capital and surplus. The order places a DFR representative on site with control over all financial decisions and restricts the company from withdrawing funds, incurring debt, merging, approving new premiums, or terminating policies. ATRIO serves approximately 35,340 Oregonians enrolled in Medicare Advantage plans across 11 counties.

Commissioner Causey Reschedules Dwelling Rate Hearing to July 6

Insurance Commissioner Mike Causey has rescheduled the dwelling insurance rate hearing from May 4 to July 6, 2026. The N.C. Rate Bureau had filed a proposed statewide average 68.3% dwelling insurance rate increase on October 30, 2025, with a year one increase of 28.5% effective July 1, 2026, and a year two increase of 30.9% effective July 1, 2027. The Department and Rate Bureau indicate progress toward a settlement, necessitating additional time to finalize terms.

Commissioner TK Keen Appointed to NAIC Committees for 2026

Oregon Insurance Commissioner TK Keen has been appointed to several NAIC committees and task forces for 2026. Keen will serve on the Life Insurance and Annuities (A) Committee, Financial Regulation Standards and Accreditation (F) Committee, Consumer Liaison Committee, and American Indian and Alaska Native Liaison Committee. The appointments maintain Oregon's involvement in national insurance policy discussions on affordability, climate change, and wildfire issues.

Oregon PDAB Community Forums on Prescription Drug Costs

The Oregon Prescription Drug Affordability Board is hosting community forums in April and May 2026 to gather public input on prescription drug costs and their impact on Oregonians. Forums will be held both online and in-person across Oregon cities. The board will review eight medications including Jardiance, Ozempic, Keytruda, and others for affordability challenges.

462,000 Blue Cross Montana Customers' Medical Data Exposed in Third-Party Vendor Breach

The Montana Commissioner of Securities and Insurance has opened an investigation into Blue Cross Blue Shield of Montana after a data breach at third-party vendor Conduent Business Services potentially exposed the private medical information of 462,000 current and former customers. The breach, which occurred from October 2024 to January 2025, included Social Security numbers, birth dates, and medical service details. The company reported the breach to regulators nearly a year after discovering it, prompting scrutiny over whether it violated Montana's requirement to report data breaches without unreasonable delay. If violations are found, the commissioner may impose penalties of up to $25,000 per violation.

Blue Cross Blue Shield of Montana Data Breach Exposes 462,000 Residents

Blue Cross Blue Shield of Montana disclosed a data breach affecting 462,000 residents after unauthorized access between November 8, 2024, and March 5, 2025. The breach exposed names, addresses, billing information, and medical data. Montana State Auditor and Commissioner of Securities and Insurance James Brown announced a full-scale investigation into the incident and whether notification requirements were followed.

NIPR Phishing Scam Warning - Fraudulent Emails Requesting Payment

The Nebraska Department of Insurance is warning insurance agents about an active phishing email campaign impersonating the National Insurance Producers Registry (NIPR). The fraudulent emails reference past due invoices and appear to come from trusted domains like @nipr.com, @naic.org, or @stripe. NIPR and NAIC are investigating the campaign, with warning alerts posted on NIPR's website and licensing application center.

Commissioner Causey Highlights Distracted Driving Dangers in Charlotte

North Carolina Insurance Commissioner Mike Causey will join traffic safety advocates at a news conference on Tuesday, April 14, 2026, at 1:30 p.m. at Pearl Street Park in Charlotte to raise awareness about distracted driving dangers during Distracted Driving Awareness Month. According to NHTSA data, distracted driving was responsible for 3,208 deaths in 2024, with experts believing the figure is underreported. Cell phone use is identified as raising crash risk exponentially. This is an informational event for media and the public; no regulatory obligations or compliance actions are established by this announcement.

Kansas PBM Reform Legislation Signed by Commissioner Schmidt

Kansas Insurance Commissioner Vicki Schmidt signed the Kansas Consumer Prescription Protection and Accountability Act into law on April 9, 2026. The legislation targets pharmacy benefit managers (PBMs) by requiring them to pass all drug rebates to health plans and banning spread pricing. It also mandates equal reimbursement for all pharmacies and grants the Department of Insurance enforcement authority. The law takes effect July 1, 2026.

Insurance Pop-Up Office and Town Hall in Franklin, April 22-23

Insurance Pop-Up Office, Franklin, April 22-23

Insurance Bulletin 2026-009 Clarifies Medical Malpractice Premium Rate Filing Requirements Under Amended Act

The New Mexico Superintendent of Insurance issued Bulletin 2026-009 to clarify that commercial medical professional liability insurance carriers must file updated premium rates through SERFF following amendments to the Medical Malpractice Act effective May 20, 2026. The amended law caps punitive damages at approximately $1 million for independent providers, $6 million for local hospitals, and $15 million for large hospital systems. Carriers must file rate filings or notices of no premium decreases in Case No. 2026-0088.

Homeowners Insurance Zip Code Reporting Requirements

The Minnesota Department of Commerce issued Administrative Bulletin 2026-2, superseding all prior communications on zip code reporting under Minn. Stat. §65A.28. Insurers writing homeowner's insurance for properties in the seven-county metropolitan area or cities of the first class (Minneapolis, Saint Paul, Duluth, Rochester) must file annual reports by May 1. The bulletin provides filing instructions, templates, and an attestation form via the department's website.

Tennessee Insurance Division NAIC Reaccreditation

The Tennessee Department of Commerce and Insurance announced that its Insurance Division received reaccreditation from the National Association of Insurance Commissioners (NAIC). The five-year reaccreditation confirms that Tennessee's insurance regulatory framework meets NAIC financial solvency oversight standards for regulating multi-state insurers. Tennessee currently has 327,685 active licensed insurance producers and domestic insurers wrote $24 billion in premium volume in 2024.

Rockwell Man Charged with Unlicensed Public Adjusting and Insurance Fraud

The Iowa Insurance Division's Fraud Bureau charged Joseph Starr, 39, of Rockwell, with two counts of acting as a public adjuster without a license and one count of insurance fraud (Class D felony). Starr allegedly negotiated insurance claims on behalf of clients with Farm Bureau Financial Services and Osage Insurance while employed by Sibling Construction, and submitted invoices for work not yet completed.

Wisconsin Insurance Administrative Actions - March 2026

The Wisconsin Office of the Commissioner of Insurance (OCI) published its March 2026 administrative actions list detailing enforcement measures taken against insurance agents and license applicants. Actions include license revocations, application denials, and forfeiture orders totaling at least $1,500. Violations cited include tax delinquency, unreported administrative actions from other states, criminal convictions, and failure to disclose pending charges.

Geary County Woman Sentenced for Insurance Fraud

Kansas Insurance Commissioner Vicki Schmidt announced that Kei'Anna Boykin, 31, of Geary County, was sentenced to 24 months of probation with 12 months of underlying prison time for felony insurance fraud. Boykin pleaded guilty on January 15, 2026, in Geary County District Court for falsely claiming no loss while her policy was canceled.

Missouri DCI Refuses Insurance Producer License to Monarch Title Owner

The Missouri Department of Commerce and Insurance (DCI) has refused to issue insurance producer licenses to Mychal Walker, owner of Monarch Title Company, Inc., and The Walker Agency, LLC, following multiple violations of state law. DCI also obtained a court order to take control of Monarch's escrow accounts after the company abruptly closed in December 2024, leaving customers unable to access their funds.

Oklahoma SBE-FP Agent Broker Transition Notice

The Oklahoma Insurance Department issued a special notice on March 30, 2026, informing health and dental insurance agents and brokers about Oklahoma's transition from the Federally-facilitated Exchange to a State-based Exchange on the Federal Platform (SBE-FP) effective May 1, 2026. The notice clarifies that existing agent and broker responsibilities, registration processes, and CMS training requirements for PY 2026 and PY 2027 remain unchanged.

Health and Dental Insurance Agent Broker Requirements for PY 2026-2027

The Oklahoma Insurance Department issued Special Notice 04-2026 on March 30, 2026, informing licensed health and dental insurance agents and brokers of the state's transition from the Federally-facilitated Exchange to a State-based Exchange on the Federal Platform effective May 1, 2026. The notice confirms that agent responsibilities for QHP enrollment on HealthCare.gov, CMS registration and training requirements, and OID producer licensing processes will remain unchanged through PY 2026-2027.

Statement on Kelly v. Kobach Decision

Kansas Insurance Commissioner Vicki Schmidt, Secretary of State Scott Schwab, and State Treasurer Steven Johnson issued a statement regarding the Kansas Supreme Court's decision in Kelly v. Kobach. They maintain that the governor should not have 'supreme executive power' over other independently elected officials and will continue to assert this position.

Iowa Second Injury Fund Assessment of $7M Due May 30

The Iowa Division of Insurance has announced a $7 million assessment on insurers and self-insured employers due to insufficient funds in the Second Injury Fund. Notices were emailed on March 25, 2026, with the payment deadline set for May 30, 2026.

Commissioner to Honor Fire Chief Curt Deaton

The North Carolina Department of Insurance announced that Commissioner Mike Causey will present the Commissioner's Award to Mooresville Fire Chief Curt Deaton on Friday, March 27, 2026, during his retirement celebration. Chief Deaton is being honored for his three decades of service to Mooresville and leadership within state firefighter associations.

Delaware DOI Clarifies Step Therapy Exceptions for Insurers

The Delaware Department of Insurance issued Bulletin No. 165 to clarify the interpretation of step therapy exception processes for health insurers. The bulletin specifies that the statutory exclusion for requiring patients to try AB-rated generic equivalents does not apply to biologics and their biosimilars, as they are not branded prescription drugs and lack generic equivalents.

Space Heater Fire Death in D'Iberville

The Mississippi State Fire Marshal's Office issued a press release on March 24, 2026, identifying a space heater as the cause of a fatal fire in D'Iberville that killed George Lee. The release also provides safety recommendations for home heating equipment and smoke alarms.

NJ DOI Reaccredited by NAIC

The New Jersey Department of Banking and Insurance announced its reaccreditation by the National Association of Insurance Commissioners (NAIC). This reaccreditation signifies that the department continues to meet high national standards for regulating the insurance industry and protecting consumers, with the review process occurring every five years.

Kansas PBM Reform Bill Passage Praised by Commissioner

Kansas Insurance Commissioner Vicki Schmidt praised the passage of SB 20, the Kansas Consumer Prescription Protection and Accountability Act. This new regulatory framework for pharmacy benefit managers (PBMs) aims to ensure fair and transparent practices, requiring drug rebates to be passed to patients and banning spread pricing. The bill now awaits the Governor's consideration.

Oklahoma Insurance Department Initiatives for Consumer Savings and Home Strengthening

The Oklahoma Insurance Department (OID) has highlighted initiatives aimed at saving Oklahomans money and strengthening homes. These include the Strengthen Oklahoma Homes (SOH) Grant Program, improvements in fire protection classifications, and successful recovery of $10.8 million for consumers in 2025, alongside locating over $200 million in lost life insurance benefits.

Post Falls Church Fire Investigation Concluded

The Idaho State Fire Marshal's Office has concluded its investigation into the March 15 fire that destroyed the River Church and Little Explorers preschool in Post Falls. The investigation found the fire was accidental, caused by a failed natural gas regulator, and not criminal activity. The findings have been shared with the building owner's insurance carrier.

OID Consumer Alert: Medicare Catheter Supply Scam

The Oklahoma Insurance Department (OID) is warning Medicare beneficiaries about a scam involving fraudulent billing for urinary catheters. Since January 1, 2026, 12 Oklahomans have reported charges for over 15,000 catheters totaling more than $135,000, with Medicare paying $88,793. The OID advises beneficiaries to carefully review their Medicare Summary Notices and Explanation of Benefits, and to create a Medicare.gov account for earlier claims visibility.

Minnesota Homeowners Insurance Rate Filing Instructions

The Minnesota Department of Commerce has issued instructions for insurers regarding rate filing obligations for homeowners insurance, as mandated by Minn. Stat. § 65A.298. The bulletin provides guidance on offering premium discounts for FORTIFIED designations and outlines the department's review process, including a threshold chart for actuarially justified discounts.

Louisiana DOI Statement on Guilty Verdict in Staged Accident Trial

Louisiana Insurance Commissioner Tim Temple issued a statement following the guilty verdict of attorneys Vanessa Motta and Jason Giles in a multi-million dollar staged accident ring trial. The statement highlights the systemic nature of insurance fraud and the commitment to combating such criminal activity.

CMS Letter on Consultants and Medicare Advantage Plans

The Nebraska Department of Insurance has received a letter from CMS responding to an inquiry regarding consultants and the sale of Medicare Advantage plans. This communication clarifies guidance and expectations for entities involved in the sale of these plans.

Haskell County Insurance Producer Fined, License Revoked

The Oklahoma Insurance Department has fined and revoked the license of Leslie Clark, an insurance producer from Haskell County, for misappropriating $7,269.38 in consumer premium payments. The action follows an investigation by the OID's Anti-Fraud Unit and a failure to appear at a show-cause hearing.

ME Health Plan Filing Deadlines for 2027 Coverage

The Maine Bureau of Insurance has issued Bulletin 493, establishing a June 5, 2026 filing deadline for all non-grandfathered individual and small group health plans with 2027 effective dates. This bulletin outlines specific requirements for rate, form, and Qualified Health Plan (QHP) submissions, including CMS transfer deadlines and plan naming conventions.

American Family Life Assurance Company - Insurance Order C-3092

The Nebraska Department of Insurance has issued Order C-3092 concerning American Family Life Assurance Company of Columbus, Continental American Insurance Company, and Tier One Insurance Company. The order details specific actions and requirements related to these insurance entities.

NDOI Urges Fire Victims to Document Damage and Contact Insurers

The Nebraska Department of Insurance (NDOI) issued a notice urging residents affected by recent fires to document property damage and contact their insurance companies. The NDOI also provided guidance on avoiding post-disaster scams and offered assistance to policyholders.

Nebraska Standardized Prior Authorization Forms for Healthcare

The Nebraska Department of Insurance is releasing two new standardized prior authorization forms for healthcare services, drug benefits, and durable medical equipment, effective January 1, 2026. These forms, mandated by LB 77, aim to reduce administrative burden and improve efficiency for providers and patients under fully insured plans.

Idaho DOI Urges Flood Risk Review and Flood Insurance Consideration

The Idaho Department of Insurance issued a notice reminding residents that March is Flood Awareness Month. The department urges Idahoans to review their flood risk, consider purchasing flood insurance as standard policies do not cover flood damage, and utilize resources from FEMA and the DOI.

NM Insurance Bulletin 2021-026 Repealed

The New Mexico Office of Superintendent of Insurance has repealed Bulletin No. 2021-026. Enrollment reporting procedures will now be communicated via email and through the OSI website, replacing the previous bulletin's guidance.

Oklahoma Health Insurance Bulletin on Senate Bill 515

The Oklahoma Insurance Department issued a bulletin to health insurers regarding Senate Bill 515, which creates new definitions and mandates for health benefit plans and health care services. The bill allows enrollees to pay out-of-pocket for negotiated services and outlines documentation requirements for reimbursement.