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Oregon Adopts Temporary Rules to Stop Ground Ambulance Balance Billing and Protect Patients’ Wallets

OR| Oregon adopts temporary rules ID 15-2025 implement HB 3243 (2025) to prohibit ground ambulance balance billing, cap enrollee cost sharing at in-network levels, and establish minimum payment and reporting standards for ground ambulance service organizations (GASOs) and participating self-funded plans effective for health benefit plans issued, renewed, or extended on or after January 1, […]

Hawaii Announces Updated Flood Insurance Rate Maps

HI| The Hawaii Insurance Division has released Memorandum 2025-14A, updating Flood Insurance Rate Maps (FIRMs) for Oʻahu, changing flood risk designations for over 3,500 parcels effective June 10, 2026, which may newly place properties into Special Flood Hazard Areas (SFHAs) and trigger both stricter building standards under ROH Chapter 21A and mandatory flood insurance for […]

Kuderer Calls on Insurers to Speed Flood Inspections and Help Prevent Dangerous Mold Growth in Washington Homes

WA| Washington State Insurance Commissioner issues guidance to property owners and insurers following the December 2025 flood emergency, emphasizing safety, prompt claim reporting, thorough documentation, timely inspections, mold prevention, and safe cleanup practices, while directing consumers to OIC and FEMA resources for additional help and complaints. Key Points: Click here to see the December 15, […]

Michigan DIFS Updates Bulletin: Insurers Limited to FOIA Copy Rate for Policyholder Documents

MI| Bulletin 2025-28-INS from the Michigan Department of Insurance and Financial Services updates insurers on the maximum allowable copying charge for documents provided to insureds or applicants who request information related to an alleged improper denial of auto or home insurance or an incorrect premium under MCL 500.2113(2)(a). It supersedes Bulletin 2024-28-INS and confirms that, […]

Michigan Updates Fire Insurance Withholding Limits: Here’s the New 2026 Maximum Escrow Amount

MI| Bulletin 2025-27-INS from the Michigan Department of Insurance and Financial Services outlines the annual adjustment of the fire insurance maximum escrow under Section 2845 of the Michigan Insurance Code, effective January 1, 2026, through December 31, 2026. Eligible municipalities participating in the fire insurance withholding program may escrow 25% of fire insurance settlements for […]

Kentucky Dental Carriers Now Required to Honor Patient Assignments and Directly Pay Out-of-Network Providers Under HB 210

KY| Kentucky Department of Insurance Bulletin 2025-05 implements House Bill 210 by clarifying that covered persons may optionally assign out-of-network dental benefits directly to their dental provider using a new Department-created assignment form, under which dental carriers must pay out-of-network dentists directly but may still apply existing out-of-network limitations and allow balance billing, while also […]

Washington Orders 45-Day Grace Period and Fee Waivers on Property and Auto Premiums in Disaster-Impacted Areas

WA| Emergency Order 25-01, issued by the Washington Insurance Commissioner, temporarily requires all insurers and regulated entities transacting property and automobile insurance in areas affected by the December 2025 atmospheric river and winter weather event to extend premium payment grace periods, waive related fees, and halt cancellations and most nonrenewals to protect consumers disrupted by […]