The National Association of Insurance Commissioners model law development process helps provide uniformity while balancing the needs of insurers operating in multiple jurisdictions with the unique nature of state judicial, legislative and regulatory frameworks.
The value of a state-based regulatory system is the ability to tailor state laws and regulations to meet the needs of resident consumers.
There is recognition that there are some areas where uniformity and consistency across state borders is beneficial to all.
It is primarily through the states’ adoption of our model laws and regulations that the legal framework for insurance regulation has been largely harmonized throughout all the states.
This comprehensive publication provides quick access to every NAIC Model Law, Regulation, and Guideline. Included with every model is a state action page that cites each state's enacted model or similar legislation. Many models also include a Project History that explains why the model was adopted and why certain provisions were included.
Table of Contents, is available to guide you through the charts listed below (Related Charts: State Laws on Insurance Topics) which are included in the purchase of a Model Laws product and are made available for download via the NAIC's Account Manager. For those that do not have a subscription to the Model Laws product, individual charts are available for purchase by contacting NAIC Publications at prodserv@naic.org
Accident and Health Insurance
Model Numbers: 10-36
Title Of Model Model # Related Charts:HB-15 - Mandated Benefits - Women's Health, Pregnancy, Fertility, Preventative Care
HB-16 - Mandated Benefits - Women's Health
HB-25 - Mandated Benefits - Mental Health
HB-27 - Mandated Benefits - Substance Abuse and Addiction
HB-50 - Genetic Testing for Insurance Coverage
Accident and Health Insurance Consumer Protection
Model Numbers: 40-42
Title Of Model Model # Related Charts:Accident and Health Insurance Delivery Systems
Model Numbers: 68-98
Title Of Model Model # Related Charts: