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Model Laws

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 legislative history (Proceedings Citations) 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: 10-38

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Health Insurance Reserves Model Regulation

  • Health Carrier Prescription Drug Benefit Management Model Act

  • Individual Market Health Insurance Coverage Model Regulation

  • Standardized Health Claim Form Model Regulation

  • Health Carrier Claim Audit Guidelines Model Act

  • Small Employer and Individual Health Insurance Availability Model Act

    HG-10 - Small Group Health Insurance Availability

  • Individual Market Health Insurance Coverage Model Act

    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

  • Individual Health Insurance Portability Model Act

  • Model Regulation to Implement the Individual Health Insurance Portability Model Act

Accident and Health Insurance Consumer Protection

Model Numbers: 40-55

Accident and Health Insurance Delivery Systems

Model Numbers: 68-98

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Prepaid Limited Health Service Organization Model Act

  • Health Care Professional Credentialing Verification Model Act

  • Quality Assessment and Improvement Model Act

  • Health Carrier Grievance Procedure Model Act

  • Utilization Review and Benefit Determination Model Act

    HA-50 - Standards for Utilization Review Agents
    RA-30 - Current Recognition of Accrediting Organizations for Health Insurers and Managed Care Providers

  • Health Benefit Plan Network Access and Adequacy Model Act

  • Health Carrier External Review Model Act

    HA-50 - Standards for Utilization Review Agents
    HA-60 - External Independent Appeal of Health Insurer Decisions
    RA-30 - Current Recognition of Accrediting Organizations for Health Insurers and Managed Care Providers

  • Uniform Health Carrier External Review Model Act

    HA-50 - Standards for Utilization Review Agents
    HA-60 - External Independent Appeal of Health Insurer Decisions
    RA-30 - Current Recognition of Accrediting Organizations for Health Insurers and Managed Care Providers

  • Medical Professional Liability Closed Claim Reporting Model Law

    PC-80 - Tort Reform: Medical Malpractice Caps

  • The Single Health Care Voluntary Purchasing Alliance Model Act

    HG-30 - Health Insurance Purchasing Alliances

  • The Regional Health Care Voluntary Purchasing Alliance Model Act

    HG-30 - Health Insurance Purchasing Alliances

  • The Private Health Care Voluntary Purchasing Alliance Model Act

    HG-30 - Health Insurance Purchasing Alliances

  • Model Health Plan for Uninsurable Individuals Act

  • Stop-Loss Insurance Model Act

    HA-90 - Stop Loss Coverage

  • Discount Medical Plan Organization Model Act

    HA-80 - Health Care Discount Plans

Accident and Health Insurance Group Regulation

Model Numbers: 100-126

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Group Health Insurance Standards Model Act

    HA-10 - Filing Requirements Health Insurance Forms and Rates
    HG-20 - Group Health Insurance Continuation Provisions in States

  • Group Health Insurance Mandatory Conversion Privilege Model Act

    HG-20 - Group Health Insurance Continuation Provisions in States

  • Small Group Market Health Insurance Coverage Model Act

    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
    HG-10 - Small Group Health Insurance Availability

  • Nondiscrimination in Health Insurance Coverage in the Group Market Model Regulation

  • Group Coverage Discontinuance and Replacement Model Regulation

    HG-20 - Group Health Insurance Continuation Provisions in States

  • Small Employer Health Insurance Availability Model Act (Prospective Reinsurance With or Without an Opt-Out)

    HG-20 - Group Health Insurance Continuation Provisions in States

  • Model Regulation to Implement the Small Employer Health Insurance Availability Act (Prospective Reinsurance With or Without an Opt-Out)

    HG-10 - Small Group Health Insurance Availability

  • Coordination of Benefits Model Regulation

    HA-40 - Coordination of Benefits Provisions

  • Small Group Market Health Insurance Coverage Model Regulation

    HG-10 - Small Group Health Insurance Availability

Accident and Health Insurance Rate and Policy Standards

Model Numbers: 134-190

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Guidelines for Filing of Rates for Individual Health Insurance Forms

    HA-10 - Filing Requirements Health Insurance Forms and Rates

  • Noncancelable and Guaranteed Renewable Terminology Defined

  • Off-Label Drug Use Model Act

    HB-10 - Mandated Benefits - Other

  • Newborn and Adopted Children Coverage Model Act

  • Health Policy Rate and Form Filing Model [Act] [Regulation]

    HA-10 - Filing Requirements Health Insurance Forms and Rates

  • Supplementary and Short-Term Health Insurance Minimum Standards Model Act

  • Model Regulation to Implement the Accident and Sickness Insurance Minimum Standards Model Act

  • Uniform Individual Accident and Sickness Policy Provision Law (UPPL)

  • Restatement of UPPL in Simplified Language

    MC-25 - Readability Requirements

  • Regulation for Uniform Definitions and Standardized Methodologies for Calculation of the Medical Loss Ratio for Plan Years 2011, 2010 and 2013 per Section 2718(b) of the Public Health Service Act

Accounting

Model Numbers: 200-205

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Separate Accounts Funding Guaranteed Minimum Benefits Under Group Contracts Model Regulation

    LI-20 - Form Filing Requirements Life Insurance Policies

  • Annual Financial Reporting Model Regulation

    CA-10 - Annual and Quarterly Financial Reporting Requirements
    CF-55 - Guaranty Fund Assessments as Assets on Annual Statement

Agents/Brokers/Producers

Model Numbers: 218-230

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Producer Licensing Model Act

    PR-10 - Producer Licensing Fees
    PR-15 - Compensation Disclosure Requirements for Producers
    PR-20 - Producer Education and Examination Requirements
    PR-30 - Fingerprint Requirements for Licensing
    PR-40 - Appointment of Producers by Insurers
    PR-45 - Notice of Termination of Producer Appointments
    PR-60 - Producers' Fiduciary Responsibilities—Premiums
    PR-70 - Producers' Ability to Charge Fees and Collect Commissions
    PL-10 - Producer Licensing: Limited Lines
    PL-60 - Licensure of Credit Agents

  • Prevention of Illegal MEWAs and Other Illegal Health Insurers Model Regulation

    PR-20 - Producer Education and Examination Requirements
    HA-95 - MEWAs and METs Provisions

  • Authorization for Criminal History Record Check Model Act

    PR-30 - Fingerprint Requirements for Licensing
    PL-50 - Bail Bond Regulation

  • Managing General Agents Act

  • Public Adjuster Licensing Model Act

    PR-20 - Producer Education and Examination Requirements
    PR-30 - Fingerprint Requirements for Licensing
    PL-40 - Adjuster Licensing Requirements
    MC-90 - State Laws on Records Maintenance

  • Title Insurance Agent Model Act

Annuities/Variable Contracts

Model Numbers: 235-278

Company Organization, Management, Securities

Model Numbers: 280-356

Examinations

Model Numbers: 385-395

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Model Regulation to Define Standards and Commissioner's Authority for Companies Deemed to be in Hazardous Financial Condition

  • Model Law on Examinations

    CF-40 - Financial Examinations Standards for Insurers

  • Participation in the NAIC Insurance Regulatory Information System (IRIS) Model Act

Health Maintenance Organizations

Model Numbers: 430-432

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Health Maintenance Organization Model Act

    HM-10 - Departmental Regulation of HMOs
    HM-20 - Open Enrollment Periods for HMOs
    HM-30 - HMO Net Worth and Deposit Requirements

  • Model Regulation to Implement Rules Regarding Contracts and Services of Health Maintenance Organizations

    HM-10 - Departmental Regulation of HMOs
    HM-20 - Open Enrollment Periods for HMOs
    HM-30 - HMO Net Worth and Deposit Requirements

Holding Companies

Model Numbers: 440-450

Insider Trading and Proxies

Model Numbers: 460-500

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • An Act Concerning Insider Trading of Domestic Stock Insurance Company Equity Securities

  • Regulations Adopted Pursuant to an Act Concerning the Insider Trading of Domestic Stock Insurance Company Equity Securities

  • Regulation Regarding Proxies, Consents and Authorizations of Domestic Stock Insurers

  • Stockholders Information Supplement Schedule SIS

Insolvency

Model Numbers: 505-558

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Risk Management and Own Risk and Solvency Assessment Model Act

  • Criminal Sanctions for Failure to Report Impairment Model Bill

  • Life and Health Insurance Guaranty Association Model Act

    IN-10 - Life and Health Guaranty Fund Laws
    IN-15 - Life and Health Guaranty Funds Triggering Provisions
    IN-50 - Health Maintenance Organization Coverage by Guaranty Associations
    TX-60 - Premium Tax Credits for Guaranty Association Assessments

  • Property and Casualty Insurance Guaranty Association Model Act

    IN-30 - Property and Casualty Guaranty Fund Laws
    IN-35 - Property and Casualty Guaranty Triggering Provisions
    TX-60 - Premium Tax Credits for Guaranty Association Assessments

  • Insurer Receivership Model Act

  • Administrative Supervision Model Act

Life Insurance

Model Numbers: 565-620

Long-Term Care Insurance

Model Numbers: 640-643

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Long-Term Care Insurance Model Act

    HS-10 - Long-Term Care Insurance Act Provisions
    HS-15 - Long-Term Care Insurance Regulation Provisions

  • Long-Term Care Insurance Model Regulation

    HS-10 - Long-Term Care Insurance Act Provisions
    HS-15 - Long-Term Care Insurance Regulation Provisions
    PC-50 - Terrorism and War Risks Exclusion

  • Limited Long-Term Care Insurance Model Act

  • Limited Long-Term Care Insurance Model Regulation

Medicare Supplement Insurance

Model Numbers: 650-660

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Medicare Supplement Insurance Minimum Standards Model Act

  • Model Regulation to Implement the NAIC Medicare Supplement Insurance Minimum Standards Model Act

    HB-50 - Genetic Testing for Insurance Coverage

  • NAIC Model Rules Governing Advertisements of Medicare Supplement Insurance with Interpretive Guidelines

Miscellaneous

Model Numbers: 665-698

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • State of Entry Model Act

  • Insurance Data Security Model Law

    MC-30 - Insurance Privacy Protection in Response to the Gramm-Leach-Bliley Act
    RE-40 - General State Privacy Breach/Consumer Protection Laws

  • NAIC Insurance Information and Privacy Protection Model Act

    MC-30 - Insurance Privacy Protection in Response to the Gramm-Leach-Bliley Act

  • Privacy of Consumer Financial and Health Information Regulation

    MC-30 - Insurance Privacy Protection in Response to the Gramm-Leach-Bliley Act

  • Standards for Safeguarding Customer Information Model Regulation

    MC-30 - Insurance Privacy Protection in Response to the Gramm-Leach-Bliley Act
    RE-40 - General State Privacy Breach/Consumer Protection Laws

  • Uniform Fraternal Code

  • Insurance Fraud Prevention Model Act

    CA-90 - Statutes Making the Unauthorized Transaction of Insurance a Criminal Act
    MC-10 - Insurance Fraud Prevention Laws

  • Service Contracts Model Act

    PA-60 - Service Contracts, Motor Clubs and Other Extended Warranties

  • Interstate Insurance Product Regulation Compact

  • Market Conduct Surveillance Model Law

  • Synthetic Guaranteed Investment Contracts Model Regulation

  • Viatical Settlements Model Act

    LU-40 - Viatical and Life Settlements
    MC-90 - State Laws on Records Maintenance

  • Viatical Settlements Model Regulation

    LU-40 - Viatical and Life Settlements

Property and Casualty Insurance

Model Numbers: 700-760

Property and Casualty Insurance Rating Laws

Model Numbers: 777-777

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Property and Casualty Commercial Rate and Policy Form Model Law (Condensed)

    PA-10 - Rate Filing Methods for Property/Casualty Insurance, Workers' Compensation, Title
    PA-15 - Form Filing Methods for Property/Casualty

Reinsurance

Model Numbers: 785-803

Standard Nonforfeiture and Valuation

Model Numbers: 805-830

Unauthorized Insurance

Model Numbers: 840-872

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Unauthorized Insurers False Advertising Process Act

  • Unauthorized Insurers Process Act

  • Nonadmitted Insurance Model Act

    CA-70 - Lists of Approved Surplus Lines InsurersCF-30 - Capital and Surplus and Deposit Requirements for Surplus Lines Companies
    TX-55 - Direct Procurement Tax Rates

  • Allocation of Surplus Lines and Independently Procurred Insurance Premium Tax on Multi-State Risks Model Regulation

    TX-55 - Direct Procurement Tax Rates

Unfair Trade Practices

Model Numbers: 880-920

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • Unfair Trade Practices Act

    PA-70 - Producers' Ability to Charge Fees and Collect Commissions
    LU-60 - Lawful Travel Laws
    MC-20 - Use of Credit Reports/Scoring in Underwriting
    MC-40 - Domestic Violence Laws
    MC-45 - Prohibitions Against Redlining and Other Geographic Discrimination
    MC-46 – Consumer Inquiries/Zero Claims for Loss History

  • Model Regulation for Complaint Records to be Maintained Pursuant to the NAIC Unfair Trade Practices Act

  • Model Regulation on Unfair Discrimination in Life and Health Insurance on the Basis of Physical or Mental Impairment

  • Model Regulation on Unfair Discrimination on the Basis of Blindness or Partial Blindness

  • Unauthorized Transaction of Criminal Model Act

    CA-90 - Statutes Making the Unauthorized Transaction of Insurance a Criminal Act

  • After Market Parts Model Regulation

    PA-40 - Laws on Aftermarket Automobile Par

  • Unfair Discrimination Against Subjects of Abuse in Health Benefit Plans Model Act

  • Unfair Discrimination Against Subjects of Abuse in Life Insurance Model Act

    MC-40 - Domestic Violence Laws

  • Unfair Discrimination Against Subjects of Abuse in Disability Income Insurance Model Act

    MC-40 - Domestic Violence Laws

  • Unfair Discrimination Against Subjects of Abuse in Property and Casualty Insurance

    MC-40 - Domestic Violence Laws

  • Unfair Claims Settlement Practices Act

    MC-50 - Claims Settlement Provisions
    MC-55 - Private Rights of Action for Unfair Claims Settlement Practices

  • Unfair Property/Casualty Claims Settlement Practices Model Regulation

    MC-50 - Claims Settlement Provisions
    MC-55 - Private Rights of Action for Unfair Claims Settlement Practices

  • Unfair Life, Accident and Health Claims Settlement Practices Model Regulation

    MC-50 - Claims Settlement Provisions
    MC-55 - Private Rights of Action for Unfair Claims Settlement Practices

  • Market Conduct Record Retention and Production Model Regulation

    MC-90 - State Laws on Records Maintenance

  • Improper Termination Practices Model Act

  • Home Service Disclosure Model Act

Health Care Reform

Model Numbers: 929-929

  • Title Of Model

    Model #

    Related Charts:
    State Laws On Insurance Topics

  • American Health Benefit Exchange Model Act

NAIC Guidelines

Model Numbers: GDL-1077-GDL-1985

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