Resources

The Consumer Representatives to the NAIC individually and collectively produce research, analysis, educational materials, comment letters, and other materials that help inform the work of state insurance regulators and other stakeholders. Many of these products are included below. We hope this information is helpful to regulators as they work to protect consumers and advance health equity; consumer health advocates working in individual states; media covering consumer issues in health insurance; and other audiences.

Major reports

By Date
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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.
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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.
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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.
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Report on Artificial Intelligence and Health Insurance
Preview of Report on Artificial Intelligence and Health Insurance PDF document.
PPT slide that says "The Impact of the Enhanced Premium Tax Credit on Uninsurance, Premiums, and State Innovation"
The Impacts of the Enhanced Premium Tax Credit on Uninsurance, Premiums, & State Innovation
Preview of The Impacts of the Enhanced Premium Tax Credit on Uninsurance, Premiums, & State Innovation PDF document.
First page of 1557 ltr. to NAIC on excepted benefits
ACA 1557 Protections as they apply to Excepted Benefits Markets
Preview of ACA 1557 Protections as they apply to Excepted Benefits Markets PDF document.
Presentation.CL_Protect.Consumers.from_.Ind_.Hlth_.Ins_.Marketing.Sales_.Abuses_12.03.2020
Protecting Consumers from Health Insurance Marketing and Sales Abuses
Preview of Protecting Consumers from Health Insurance Marketing and Sales Abuses PDF document.