Consumer Participation at the NAIC

Advancing Health,
Protecting Consumers

Consumer Participation at the NAIC is dedicated to ensuring the voices of consumers are heard in the realm of insurance regulation.

42 NAIC Consumer Representatives in 2025

Appeals, denials, and prior authorization

Prescription drugs

Prev.Serv.Rpt.Cover_08.2023

Preventive Services Coverage and Cost-Sharing Protections Are Inconsistently and Inequitably Implemented

Preview of Preventive Services Coverage and Cost-Sharing Protections Are Inconsistently and Inequitably Implemented PDF document.

Research & Reports

Discover our comprehensive reports & presentations.

Cover-letter-Recommendations-for-States-to-Mitigate-Federal-Policy-Actions

Consumer Representatives Cover Letter for State Recommendations Report

Preview of Consumer Representatives Cover Letter for State Recommendations Report PDF document.

Screenshot 2025-12-04 at 6.57.16 PM

Executive Summary: Recommendations for States’ Efforts to Mitigate Harms Caused by Federal Policy Actions

Preview of Executive Summary: Recommendations for States’ Efforts to Mitigate Harms Caused by Federal Policy Actions PDF document.

Screenshot 2025-12-04 at 6.50.21 PM

NAIC Consumer Representative Report: Recommendations for States’ Efforts to Mitigate Harms Caused by Federal Policy Actions

Preview of NAIC Consumer Representative Report: Recommendations for States’ Efforts to Mitigate Harms Caused by Federal Policy Actions PDF document.

Equity-Charges-for-NAIC-2025

Consumer Representative Letter on SCORI Charge Integration

Preview of Consumer Representative Letter on SCORI Charge Integration PDF document.

Consumer-Rep-B-Committee-Priorities-2025.docx

Consumer Representative 2025 Priority Letter to B Committee (Health)

Preview of Consumer Representative 2025 Priority Letter to B Committee (Health) PDF document.

Heading (Facebook Post (Square)) - Sample text 2

Report on Artificial Intelligence and Health Insurance

Preview of Report on Artificial Intelligence and Health Insurance PDF document.

Cover-letter-Recommendations-for-States-to-Mitigate-Federal-Policy-Actions

Consumer Representatives Cover Letter for State Recommendations Report

Preview of Consumer Representatives Cover Letter for State Recommendations Report PDF document.

Screenshot 2025-12-04 at 6.57.16 PM

Executive Summary: Recommendations for States’ Efforts to Mitigate Harms Caused by Federal Policy Actions

Preview of Executive Summary: Recommendations for States’ Efforts to Mitigate Harms Caused by Federal Policy Actions PDF document.

Screenshot 2025-12-04 at 6.50.21 PM

NAIC Consumer Representative Report: Recommendations for States’ Efforts to Mitigate Harms Caused by Federal Policy Actions

Preview of NAIC Consumer Representative Report: Recommendations for States’ Efforts to Mitigate Harms Caused by Federal Policy Actions PDF document.

Equity-Charges-for-NAIC-2025

Consumer Representative Letter on SCORI Charge Integration

Preview of Consumer Representative Letter on SCORI Charge Integration PDF document.

Consumer-Rep-B-Committee-Priorities-2025.docx

Consumer Representative 2025 Priority Letter to B Committee (Health)

Preview of Consumer Representative 2025 Priority Letter to B Committee (Health) PDF document.

Heading (Facebook Post (Square)) - Sample text 2

Report on Artificial Intelligence and Health Insurance

Preview of Report on Artificial Intelligence and Health Insurance PDF document.