Regulation
11 topics
Medicare
Part A covers hospital stays and is premium free for most based on payroll taxes paid while working. Part B covers physician and o...
Medicaid
States run the program under federal rules and receive a matching share of costs from Washington ranging from 50 to over 70 percen...
COBRA
Continuation typically runs up to 18 months, or 36 for dependents in some cases. The catch is price: the former employee pays the ...
Affordable Care Act
It barred denial or rating for pre existing conditions, set essential health benefits every plan must cover, allowed rating only b...
National Flood Insurance Program
Administered by FEMA, it admits communities that adopt floodplain ordinances and lets their residents buy policies, today over 4.5...
McCarran-Ferguson Act
It reversed the Supreme Court decision declaring insurance interstate commerce subject to federal antitrust law, exempting the bus...
National Association of Insurance Commissioners
Members are the commissioners who run state departments. The association writes model laws, from holding company acts to market co...
State Guaranty Associations
Created by state laws after twentieth century insolvency waves left policyholders exposed, they activate when liquidation proves a...
Solvency II
Pillar 1 sets quantitative capital: technical provisions valued to market, a solvency capital requirement from a standard formula ...
Risk-Based Capital
Adopted by the NAIC in the early 1990s after insolvency waves, the charges penalize equities and low grade bonds through asset ris...
Terrorism Risk Insurance Act
After the 2001 attacks produced insured losses near 40 billion dollars and insurers pulled out, construction lending froze for lac...