McCarran-Ferguson Act: Federal law (15 U.S.C. ���� 1011-1015) that establishes state-level regulation of insurance and provides limited federal antitrust exemption for insurance business
Patient Protection and Affordable Care Act: Federal healthcare law that mandates essential health benefits requirements, coverage mandates, and non-discrimination provisions for health insurance policies
Employee Retirement Income Security Act (ERISA): Federal law governing employee benefits, including insurance, with specific reporting, disclosure requirements, and fiduciary responsibilities
State Insurance Codes: State-specific insurance regulations covering licensing requirements, rate regulations, and policy form requirements
State Consumer Protection Laws: State-level laws governing fair dealing requirements, disclosure obligations, and cancellation provisions in insurance contracts
State Insurance Commissioner Rules: Regulatory requirements including filing requirements, reserve requirements, and investment limitations set by state insurance commissioners
NAIC Model Laws: Standard guidelines from the National Association of Insurance Commissioners covering policy provisions, market conduct standards, and financial reporting requirements
State Premium Tax Laws: State-specific laws governing insurance premium tax rates, payment schedules, and reporting requirements
State Insurance Guaranty Association Laws: State-level regulations establishing coverage limits, assessment provisions, and claims handling requirements for insurance guaranty associations
