Regulatory Roundup: NAIC Priorities, Florida Retirement Community Regulation, Auto Data Sharing

State-by-state variations of laws, compliance protocols, industry transparency, and general regulatory culture can lend one the impression that keeping up with industry changes is a little bit like herding cats. So, what better way to wrangle some of the more localized insurance news than in a Regulatory Roundup?

On an ongoing basis, in no particular order or rank, we’re wrestling the various regulatory changes, compliance actions, and commissioner decisions into our roundup. As a disclaimer: There’s a lot going on at any given time in these here United States, so this isn’t a comprehensive picture of state-level action by any means. Think of it, instead, as a sampler platter of regulation. 

Also important to note: If we’re recapping interpretations of legal decisions, this is some armchair insurance speculation and not at all legal advice. If you need legal advice, get a lawyer. 

NAIC legislative priorities

The National Association of Insurance Commissioners (NAIC) announced its 2025 legislative priorities.

First on the list: shuttering the Federal Insurance Office (FIO). The NAIC says the FIO is a federal overreach that doesn’t respect states’ primary role as the insurance regulators who are closest to the ground. However, this anti-fed attitude doesn’t hold when it comes to national disasters; natural catastrophe resilience, the second item on the NAIC agenda, is something the state regulators look to Congress for leadership on.

When it comes to the Affordable Care Act and health insurance, the states are looking for a flexible approach that gives states primacy in certain kinds of oversight. The NAIC calls on Congress to extend the enhanced ACA subsidies and their coverage-expanding impact, alongside fully funding state grants and waivers.

NAIC officials also call on the administration of President Donald Trump and Congress to provide more guidance and clarity about how to approach rules on nondiscrimination, copay accumulators, and mental health parity.

Florida retirement community violated senior rights, insurance laws

Florida Insurance Commissioner Michael Yaworsky issued a final report on the outcome of his office’s targeted exam against a retirement community.

A continuing care retirement community, University Village, was struggling and fell into bankruptcy in 2020. Tampa Life and Big Rock Management Company purchased the community in the bankruptcy proceedings and renamed it Tampa Life. The community, one of 72 like it in the state, falls under the jurisdiction of the Florida Office of Insurance Regulation (OIR) because residents’ payments include long-term care and health care components that ensure a continuation of care for the residents throughout various stages of their elder years.

However, the Florida OIR found the management of the community and various facilities was so poor that the company found itself back in bankruptcy, and conditions were so extreme that the residents had to be relocated.

Commissioner Mike Yaworsky said, “The level of mismanagement in this case and pure lack of empathy and quality of care for Tampa Life’s senior residents was unprecedented and shocking. Florida is seen as a beacon for the retirement community and these facilities often make generational promises that should always be fulfilled.”

“There are many outstanding CCRC facilities in Florida that are great options for our seniors—unfortunately, Tampa Life was not one of these options. We must ensure this type of mismanagement never happens again, and I will continue to strongly advocate for more oversight control over these facilities.”  

Auto insurer and retailer case emphasizes importance of ethical data use

A prominent national auto insurer and an automobile manufacturer are the subject of a class-action lawsuit over their data-sharing practices.

Many insurance carriers allow policyholders to opt-in to sharing driving data in exchange for use-based insurance savings. Yet, consumers have been reluctant to do this in practice, leery of oversharing personal data.

One lawsuit alleges an auto insurer and car manufacturer violated personal data protection with an agreement of the manufacturer to send data—far more data than is covered by standard use-based insurance agreements—directly to the insurer to use for pricing coverage. The industry is sure to keep a careful eye on the case, but it serves as a good reminder that ethical, cautious data practices are key for minimizing both reputational and regulatory risks.

Other state regulatory changes

Alabama has set the filing deadline for all health insurance carriers, health maintenance organizations, and health care service plans to submit their proposed plan coverage for plan year 2026 to the state by July 16, 2025.

California updated the state’s List of Approved Surplus Line Insurers with Fortegra Specialty Insurance Company in Arizona and Shield Indemnity Incorporated of Ohio.

Colorado announced the state Commissioner has adopted a regulatory amendment to what carriers that offer individual and small group health benefits have to include in their Colorado Option–compliant plans for 2026. State regulators have also updated the methodology for how these carriers must calculate premium rate reductions.

Delaware has penalized an insurance carrier $300,000 for misleading customers. The penalty could increase to half a million dollars if future reviews show the carrier and its subsidiaries haven’t brought their ad practices into compliance.

Georgia jurors awarded a woman $4.2 million after an attack by her neighbor’s mastiff led to a series of falls and injuries.

Louisiana Department of Insurance officials announced the department has renewed its accreditation with the National Association of Insurance Commissioners. The NAIC sets insurance regulatory standards for U.S. jurisdictions including states and territories. The state appointment renewal period is July 1 through Aug. 1. Louisiana Insurance Commissioner Tim Temple is now the International Insurance Relations Committee co-vice chair and vice chair of the NAIC Surplus Lines Task Force, among other leadership positions. Well done, Louisiana!

Maryland appointment renewal invoices for motor club representatives are open from June 3 to Aug. 31, 2025. All other state appointments are Registry appointments.

Michigan is bringing the hammer down on agents and businesses that think they can sell insurance without a license. Newsflash: You can’t. The state has also issued its new limit for the maximum refund of unearned premiums that insureds can expect if their insurer goes under and the coverage is taken over by the state’s Property and Casualty Guaranty Association. The new limit on unearned premium repayments is $1,998 from July 1, 2025 to June 30, 2026. The Department of Insurance and Financial Services also announced rate filing requirements for carriers filing stand-alone dental plans and medical plans. Also, the state granted health insurance carriers with grandfathered ACA plans extensions to the end of 2026, and a bulletin gave guidance to how everyone in auto insurance should contextualize recent court decisions.

North Dakota has updated fees for licensing, TPAs, and appointments. The updated fees will be reflected on the state jurisdiction page in the AgentSync Compliance Library starting on the state’s effective date of Aug. 1, 2025. The state also merged the Securities Department and Insurance Department in the hopes that closer working relations will lead to more productive fraud prevention and prosecution as well as operational efficiencies.

Oklahoma announced the Oklahoma Market Assistance Program (OK-MAP) Plan’s “member assessment” for the year is $150, due Sept. 1, 2025. All property and casualty insurers in the state are members.

Tennessee Department of Insurance Commissioner Carter Lawrence has been busy with speaking engagements and public awareness, and the state’s newsletter included reminders that new laws that went into effect in 2024 allow pharmacy providers to complain or appeal their pharmacy benefit managers’ (PBMs’) reimbursements to the Department. 

Vermont Department of Financial Regulation announced Kaj Samsom’s appointment to the position of Insurance Commissioner by Gov. Phil Scott. The Vermont Captive Insurance Association announced it’s opening its webinars free to all members. Another DIFS bulletin—Securities Bulletin S-2025-01—to give guidelines on how investment advisers and investment adviser representatives must register to be in compliance.

Virginia added Administrative Order No. 12197, which continues the state’s suspension of its own requirement for private flood insurers to file rates and supplementary rate information. Insurers should submit a Virginia Rate Certification Applicable to Private Flood Insurance form through the NAIC SERFF system.

Washington regulators wrote a whole exposé on how and why they changed the Washington Office of the Insurance Commissioner’s website. 

Stay on top of regulatory changes with AgentSync

While these points of interest aren’t comprehensive, our knowledge of insurance producer and variable lines broker license and compliance maintenance is. See how AgentSync can help make you look smarter today; head over to the Compliance Library and wrastle up some state-by-state regulation and more jurisdictional updates. If you’re looking for a solution that builds regulations like these into your distribution channel management workflows automatically, AgentSync can help. See us in action or talk to one of our experts today.