When and How to Contact Insurance Regulators

When to go to your state regulators for help

Most states are responsible for enforcing Affordable Care Act (ACA) standards that apply to fully insured health plans, including those sold to individuals and small employers. These standards include the requirement that plans cover Essential Health Benefits and the prohibition on plan designs that discourage enrollment from people with significant health needs. In states that fail to enforce the ACA standards, the U.S. Department of Health and Human Services is responsible for enforcement. See the table below for contact information for state departments of insurance.

You may be required to file an appeal with your insurance plan before seeking state or federal assistance with your issue. Healthcare.gov includes information to help determine when an appeal should be filed with the Marketplace or with an individual health plan: https://www.healthcare.gov/marketplace-appeals/appeal-forms/

When to go to federal regulators for help

A federal law known as ERISA governs employer-sponsored coverage, whether fully insured or self-insured, and enforcement of these rules is carried out by the U. S. Department of Labor (DOL). You can contact the DOL’s Employee Benefits Security Administration (EBSA) at https://www.dol.gov/agencies/ebsa/about-ebsa/ask-a-question/ask-ebsa

To find an EBSA contact for your state, see

https://www.dol.gov/agencies/ebsa/about-ebsa/about-us/regional-offices

State Department of Insurance websites

State Department of Insurance Website
Alabama http://www.aldoi.gov/
Alaska https://www.commerce.alaska.gov/web/ins/
Arizona http://www.id.state.az.us/
Arkansas http://www.insurance.arkansas.gov/
California http://www.insurance.ca.gov/

http://www.dmhc.ca.gov/

Colorado https://www.colorado.gov/pacific/dora/division-insurance
Connecticut http://www.ct.gov/cid/site/default.asp
Delaware http://www.delawareinsurance.gov/
DC http://disb.dc.gov/page/insurance
Florida http://www.floir.com/
Georgia http://www.oci.ga.gov/
Hawaii http://cca.hawaii.gov/ins/
Idaho http://www.doi.idaho.gov/
Illinois http://insurance.illinois.gov/
Indiana http://www.in.gov/idoi/
Iowa http://www.iid.state.ia.us/
Kansas http://www.ksinsurance.org/
Kentucky http://insurance.ky.gov/
Louisiana http://www.ldi.louisiana.gov/
Maine https://www1.maine.gov/pfr/insurance/
Maryland http://insurance.maryland.gov/...
Massachusetts http://www.mass.gov/ocabr/government/oca-agencies/doi-lp/
Michigan http://www.michigan.gov/difs/
Minnesota https://mn.gov/commerce/indust...
Mississippi http://www.mid.ms.gov/
Missouri http://insurance.mo.gov/
Montana http://www.csi.mt.gov/
Nebraska http://www.doi.nebraska.gov/
Nevada http://doi.nv.gov/
New Hampshire http://www.nh.gov/insurance/
New Jersey http://www.state.nj.us/dobi/index.html
New Mexico http://www.osi.state.nm.us
New York http://www.dfs.ny.gov/
North Carolina http://www.ncdoi.com/
North Dakota http://www.nd.gov/ndins/
Ohio https://insurance.ohio.gov/
Oklahoma http://www.ok.gov/oid/
Oregon https://dfr.oregon.gov/insure/health/
Pennsylvania http://www.insurance.pa.gov/Pa...
Rhode Island http://www.ohic.ri.gov/
South Carolina http://www.doi.sc.gov/
South Dakota http://dlr.sd.gov/insurance/
Tennessee http://tn.gov/commerce/
Texas http://www.tdi.texas.gov/
Utah https://insurance.utah.gov/
Vermont http://www.dfr.vermont.gov/
Virginia http://www.scc.virginia.gov/boi/
Washington http://www.insurance.wa.gov/
West Virginia http://www.wvinsurance.gov/
Wisconsin http://oci.wi.gov/
Wyoming http://doi.wyo.gov
Individuals with no coverage
Individuals with coverage
Coverage for small employers
Post enrollment issues