Other Health is the new MCAS line of business being introduced for the 2023 data year. A summary of all changes can be found in the Summary of 2023 Changes document.

It has come to our attention that there is confusion related to the wording of the definition of lawsuit in the Data Call and Definitions for the Homeowners and Private Passenger Auto lines of business. The confusion centers around the wording of the first bullet point.

The current definition reads:

• “For purposes of reporting lawsuits for Homeowner/Private Passenger Auto products:
  • Include only lawsuits brought by an applicant for insurance, a policyholder or claimant as a plaintiff against the reporting insurer as a defendant.”

This changes how claims-related lawsuits have been reported from the inception of MCAS. Claims-related lawsuits were any lawsuits against the insured arising from a claim regardless of whether the insurer was a named defendant. This current wording could drastically reduce the reported number of claims-related lawsuits if the companies read and apply this new definition without questioning the change.

In order to ensure that reporting for the 2023 data year is done correctly we are making the following change to the definition of lawsuit:

• “For purposes of reporting lawsuits for Homeowner/Private Passenger Auto products:
  • For non-claims related lawsuits, include only lawsuits brought by an applicant for insurance, a policyholder or claimant as a plaintiff against the reporting insurer as a defendant.”

This change will be reflected in the Data Call and Definitions for Homeowners and Private Passenger Auto.

We will also be making the following update to the FAQ for Homeowners and Private Passenger Auto:

Q: Which claims-related lawsuits should be reported? Should only lawsuits with the company as a named defendant be reported?

A: All claims-related lawsuits should be reported if it arises from a claim being adjusted by the company, regardless of whether the insurance company is a named defendant. The first bullet point in the current definition of “Lawsuit” was intended to apply only to non-claims related lawsuits. The MCAS Blanks Working Group will be considering a revision to the bullet point to read: “For non-claims related lawsuits, include only lawsuits brought by an applicant for insurance, a policyholder or claimant as a plaintiff against the reporting insurer as a named defendant.”

General Filing Information

• Participation Requirements – Detailed information to assist in determining if your company is required to submit MCAS data

Resources

• Data Collection Worksheets (Blanks) – Table layout representation of the required data elements
• Data Call and Definitions (Instructions) – Listing of MCAS data elements and definitions to follow when preparing data for submission
• MCAS User Guide – Information about how to use the MCAS application and a listing of data validations used within the application
• CSV Data Upload Instructions – Layout guidelines for preparing a CSV file for uploading to the MCAS application (The use of a CSV file is not required.)
• CSV Assistant Instructions – Guidance for using the CSV Assistance Files
• CSV Assistant Files – Templates to assist in the creation of CSV data files
• Scorecard Ratio Formulas – Listing of standard scorecard ratios calculated for each MCAS lines of business

Additional Information

• FAQ (Frequently Asked Questions) - Contains both technical and definitional information not located in the other Help documents (Located just under the MCAS "Log In" icon) You will find answers to questions regarding:
  • Specific data elements
  • Market Conduct Contact, MCAS Administrator, and MCAS Contact
  • MCAS application
  • Waiver and extension requests
• Participating Jurisdictions Contacts and Scorecards – Provides state MCAS contact information and links to scorecard reports produced each year to show jurisdiction-wide ratio calculations and the distribution of ratios for all companies filing an MCAS in a given jurisdiction. (Located at the top of the page under the MCAS header)

Any questions not addressed by the documents located on this page can be sent to either mcas@naic.org or help@naic.org

MCAS provides market regulators with market conduct information not otherwise available for their market analysis initiatives. Companies report their data to each jurisdiction through the NAIC's on-line MCAS application. For the 2023 data year, MCAS data is collected for the following lines of business:

• Disability Income
• Health
• Homeowners
• Individual Annuity
• Individual Life
• Lender-Placed Auto & Homeowners
• Long-Term Care
• Other Health
• Private Flood
• Private Passenger Auto
• Short-Term Limited Duration Health
• Travel 

The Market Analysis Procedures (D) Working Group (MAPWG) is responsible for identifying new MCAS lines of business and promoting uniform analysis by applying consistent measurements and comparisons of MCAS data provided by companies. To follow the Market Analysis Procedures (D) Working Group and their discussions related to new MCAS lines of business, visit their webpage: /cmte_d_mcapwg.htm.

The Market Conduct Annual Statement Blanks (D) Working Group (MCAS Blanks WG) is responsible for the MCAS content and defining the data that is collected. To follow the Market Conduct Annual Statement Blanks (D) Working Group and their discussions related to the content of MCAS lines of business, visit their webpage: /cmte_d_mcaswg.htm.

MCAS will now be capturing Other Health (OTHHLTH) for the 2023 data year.

This year we will utilize a new financial supplement table to determine if a company is required to file. Each company will be required to complete the new supplement. This is a different method for identifying companies meeting the financial threshold.

Please note that the RTF indicator is only a guide. If you know you have relevant business to report, it must be reported whether or not you see a RTF indicator.

Effective Thursday, Jan. 4, 2024 MCAS users will be required to use Multi-Factor Authentication (MFA). MFA adds an extra layer of security for users, helping protect against unauthorized access by requiring an additional form of authentication beyond username and password.

After logging in, users will be prompted to set an MFA type of their choice including Okta Verify, Google Authenticator, Voice Call Authentication, Email Authentication, and SMS Authentication. There are help documents for implementing specific MFA factors on the NAIC Help Page. Also, you can contact the NAIC Service Desk at 816-783-8500 or help@naic.org.