reglab/housing_qa huggingface dataset:
WI Stat § 635.05 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 635 - Small employer health insurance.|635.05 - Rate regulation.

635.05  Rate regulation. Notwithstanding ch. 625, the commissioner shall promulgate rules: (1) Establishing restrictions on premium rates that a small employer insurer may charge a small employer such that the premium rates charged to small employers with similar case characteristics for the same or similar benefit design characteristics do not vary from the midpoint rate for those small employers by more than 35 percent of that midpoint rate. (2) Establishing restrictions on increases in premium rates that a small employer insurer may charge a small employer such that:(a) The percentage increase in the premium rate for a new rating period does not exceed the sum of the following:1. The percentage change in the new business premium rate measured from the first day of the prior rating period to the first day of the new rating period, or the percentage change in the base premium rate in the case of a class of business for which the small employer insurer is not issuing new policies.2. An adjustment, not to exceed 15 percent per year, adjusted proportionally for rating periods of less than one year, for such rating factors as claim experience, health status, occupation, and duration of coverage, determined in accordance with the small employer insurer's rate manual or rating procedures.3. An adjustment for a change in case characteristics or in benefit design characteristics, determined in accordance with the small employer insurer's rate manual or rating procedures.(b) The percentage increase in the premium rate for a new rating period for a policy issued before August 15, 1991, does not exceed the sum of par. (a) 1. and 3., unless premium rates are in compliance with the rules promulgated under sub. (1). (3) Requiring the premium rate of a policy issued before August 15, 1991, to comply with the rules promulgated under sub. (1) no later than 3 years after August 15, 1991. (4) Defining the terms necessary for compliance with this section. (5) Ensuring that small employers are classified using objective criteria. (6) Ensuring that rating factors are applied objectively and consistently within a class of business. (7) Specifying the manner in which rates must be published under s. 635.12.History:  1991 a. 39, 250; 2001 a. 16.
WI Stat § 635.10 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 635 - Small employer health insurance.|635.10 - Uniform employee application.

635.10  Uniform employee application. Beginning no later than August 1, 2003, every small employer insurer shall use the uniform employee application form developed by the commissioner by rule under s. 601.41 (8) (b) when a small employer applies for coverage under a group health benefit plan offered by the small employer insurer.History:  2001 a. 109.
WI Stat § 635.11 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 635 - Small employer health insurance.|635.11 - Disclosure of rating factors and renewability provisions.

635.11  Disclosure of rating factors and renewability provisions. (1m) Before the sale of a plan or policy subject to this chapter, a small employer insurer shall disclose to a small employer all of the following:(a) The small employer insurer's right to increase premium rates and the factors limiting the amount of increase.(b) The extent to which benefit design characteristics and case characteristics affect premium rates.(c) The extent to which rating factors and changes in benefit design characteristics and case characteristics affect changes in premium rates.(d) The small employer's renewability rights.(e) As part of the small employer insurer's solicitation and sales materials, the availability of the information under par. (f).(f) Upon the request of the small employer, the following information:1. The provisions, if any, of the plan or policy relating to preexisting condition exclusions.2. The benefits and premiums available under all health insurance coverage offered by the small employer insurer for which the small employer is qualified. (2m) Information required to be disclosed under this section shall be provided in a manner that is understandable to a small employer and shall be sufficient to reasonably inform a small employer of the small employer's rights and obligations under the health insurance coverage. (3m) A small employer insurer is not required under this section to disclose information that is proprietary or trade secret information under applicable law.History:  1991 a. 39, 250, 315; 1997 a. 27.
WI Stat § 635.12 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 635 - Small employer health insurance.|635.12 - Annual publication of rates.

635.12  Annual publication of rates. Every small employer insurer shall annually publish the small employer insurer's current new business premium rates. The rates shall be published in the manner and according to categories required by rule under s. 635.05 (7). New business premium rates for coverage under the health care coverage program under subch. X of ch. 40 shall be published as required under s. 40.98 (2) (d).NOTE:  Subchapter X of ch. 40, including s. 40.98 (2) (d), was repealed by 1999 Wis. Act 9, eff. 1-1-10.History:  2001 a. 16.
WI Stat § 635.13 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 635 - Small employer health insurance.|635.13 - Records.

635.13  Records. A small employer insurer shall maintain at its principal place of business complete and detailed records relating to its rating methods and practices and its renewal underwriting methods and practices, and shall make the records available to the commissioner upon request.History:  1991 a. 39, 250; 1997 a. 27; 2015 a. 90.
WI Stat § 635.15 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 635 - Small employer health insurance.|635.15 - Temporary suspension of rate regulation.

635.15  Temporary suspension of rate regulation. The commissioner may suspend the operation of all or any part of s. 635.05 with respect to one or more small employers for one or more rating periods upon the written request of a small employer insurer and a finding by the commissioner that the suspension is necessary in light of the financial condition of the small employer insurer or that the suspension would enhance the efficiency and fairness of the small employer health insurance market.History:  1991 a. 39, 250.
WI Stat § 635.18 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 635 - Small employer health insurance.|635.18 - Fair marketing standards.

635.18  Fair marketing standards. (1) Every small employer insurer shall actively market health benefit plan coverage to small employers in the state. (2) (a) Except as provided in par. (b), a small employer insurer or an intermediary may not, directly or indirectly, do any of the following:1. Discourage a small employer from applying, or direct a small employer not to apply, for coverage with the small employer insurer because of the health status, claims experience, industry, occupation or geographic location of the small employer.2. Encourage or direct a small employer to seek coverage from another insurer because of the health status, claims experience, industry, occupation or geographic location of the small employer.(b) Paragraph (a) does not prohibit a small employer insurer or an intermediary from providing a small employer with information about an established geographic service area or a restricted network provision of the small employer insurer. (3) (a) Except as provided in par. (b), a small employer insurer may not, directly or indirectly, enter into any contract, agreement or arrangement with an intermediary that provides for or results in compensation to an intermediary for the sale of a health benefit plan that varies according to the health status, claims experience, industry, occupation or geographic location of the small employer or eligible employees or dependents.(b) Payment of compensation on the basis of percentage of premium is not a violation of par. (a) if the percentage does not vary based on the health status, claims experience, industry, occupation or geographic area of the small employer or eligible employees or dependents. (4) A small employer insurer may not terminate, fail to renew or limit its contract or agreement of representation with an intermediary for any reason related to the health status, claims experience, occupation or geographic location of the small employers or eligible employees or their dependents placed by the intermediary with the small employer insurer. (5) A small employer insurer or an intermediary may not induce or otherwise encourage a small employer to separate or otherwise exclude an employee from health coverage or benefits provided in connection with the employee's employment. (6) Denial by a small employer insurer of an application for coverage from a small employer shall be in writing and shall state the reason or reasons for the denial. (7) A 3rd-party administrator that enters into a contract, agreement or other arrangement with a small employer insurer to provide administrative, marketing or other services related to the offering of health benefit plans to small employers in this state is subject to this chapter as if it were a small employer insurer. (8) The commissioner may by rule establish additional standards to provide for the fair marketing and broad availability of health benefit plans to small employers in this state.History:  1991 a. 250, 315; 1997 a. 27.
WI Stat § 644.03 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 644 - Domestic mutual insurance holding companies.|644.03 - Scope and purposes.

644.03  Scope and purposes. (1) Scope. This chapter applies to all mutual insurance holding companies organized under the laws of this state. (2)  Purposes. (a) The purposes of this chapter are to provide complete, self-contained procedures for the formation of mutual insurance holding companies. Subject to par. (b), a corporation organized as a mutual insurance holding company under this chapter may be organized for any lawful purpose and shall hold directly or indirectly as a subsidiary at least one stock insurance company converted from a mutual insurance company or from a service insurance corporation that converted to a mutual insurance company. A mutual holding company is not an insurer.(b) A corporation organized as a mutual insurance holding company under this chapter may engage, directly or indirectly, in a business that is subject to regulation under another statute of this state only if not prohibited by, and subject to all limitations of, the other statute.History:  1997 a. 227.
WI Stat § 644.05 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 644 - Domestic mutual insurance holding companies.|644.05 - General corporate powers and procedures.

644.05  General corporate powers and procedures. (1) Powers. Subject to s. 644.19 (2) and (3), s. 181.0302 (intro.), (1) to (15), (18) and (19) applies to mutual holding companies. (2)  Effect of unauthorized corporate acts. Section 181.0304 applies to mutual holding companies, except that, for purposes of this subsection, “attorney general" used in s. 181.0304 (3) means “commissioner".  (4)  Waiver of notice and informal action by members or directors. Sections 181.0704, 181.0706, 181.0821 and 181.0823 apply to mutual holding companies. For purposes of this subsection, “board" used in s. 181.0821 includes “committee of the board of a mutual holding company". History:  1997 a. 227; 1999 a. 30.
WI Stat § 644.06 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 644 - Domestic mutual insurance holding companies.|644.06 - Registered agent for service of process.

644.06  Registered agent for service of process. Sections 601.715, 601.72 (1) (a), (2) and (3) to (5) and 601.73 apply to mutual holding companies, except that, for purposes of this chapter, “authorized insurer" used in s. 601.715 means mutual holding company and “insurer" used in s. 601.72 (1) (a) and (2) means mutual holding company.History:  1997 a. 227.
WI Stat § 644.08 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 644 - Domestic mutual insurance holding companies.|644.08 - Reservation of corporate name.

644.08  Reservation of corporate name. Sections 181.0402 and 181.0403 (2), (3) and (3m) apply to mutual holding companies. History:  1997 a. 227; 1999 a. 30.
WI Stat § 644.09 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 644 - Domestic mutual insurance holding companies.|644.09 - Articles, amendments, bylaws and principal officers.

644.09  Articles, amendments, bylaws and principal officers. (1) Articles. Section 181.0202 applies to the articles of a mutual holding company, except that all of the following apply:(a) The name of the mutual holding company shall include the word “mutual" and shall comply with s. 181.0401 (2) to (4). (b) The articles shall include provisions for mutual bonds, if any are to be authorized, which shall conform to s. 611.33 (2).(c) The purposes of the mutual holding company shall be limited to those permitted in this chapter.(d) Subject to s. 644.07 (10) (d), the articles may specify those classes of persons who may be members of the mutual holding company or may prescribe the procedure for establishing or removing restrictions on the classes of persons who may be members of the mutual holding company. (2)  Amendment of articles. A mutual holding company may amend its articles in the manner provided in ss. 181.1001, 181.1002 (1), 181.1003, 181.1005 and 181.1006, except that papers required by those sections to be filed with the department of financial institutions shall instead be filed with the commissioner. The articles may be amended in any desired respect, including substantial changes of its original purposes, except that no amendment may be made that is contrary to sub. (1). In addition to the requirements of s. 181.1005, the articles of amendment of a mutual holding company shall, if mail voting is used, state the number of members voting by mail and the number of such members voting for and against the amendment. No amendment may become effective until the articles of amendment have been filed with the commissioner. No amendment shall affect any existing cause of action in favor of or against such mutual holding company, any civil, criminal, administrative or investigatory proceeding to which the mutual holding company is a party or the existing rights of persons other than members. In the event that the corporate name is changed by amendment, no suit brought by or against such mutual holding company under its former name shall abate for that reason.  (3)  Bylaws. The bylaws of a mutual holding company shall comply with this chapter. A copy of the bylaws and any amendments to the bylaws shall be filed with the commissioner within 60 days after adoption. Subject to this subsection, ss. 181.0206, 181.0207 and 181.1021 apply to mutual holding companies.  (4)  Principal officers. Sections 181.0840 and 181.0841 apply to mutual holding companies. History:  1997 a. 227; 1999 a. 30.
WI Stat § 644.10 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 644 - Domestic mutual insurance holding companies.|644.10 - Acquisition, merger or consolidation as part of the plan.

644.10  Acquisition, merger or consolidation as part of the plan. (1) The converting insurance company may propose to acquire, or to merge or consolidate with, one or more domestic or foreign insurers, or both, as part of a mutual holding company plan under s. 644.07. The commissioner shall approve the acquisition, merger or consolidation as part of the mutual holding company plan and shall approve the continued corporate existence of any domestic insurer that is a party to the plan under this section as a subsidiary of the mutual holding company or any intermediate stock holding company, if any of the following applies:(a) In the case of a domestic stock corporation, no grounds for disapproval exist under s. 611.72 (3) (am).(b) In the case of a domestic mutual, no grounds for disapproval exist under s. 611.73 (3) (a) and the domestic mutual has complied with s. 644.07 (2) to (8). The converting insurance company and any domestic mutual that the converting insurance company proposes to acquire, or merge or consolidate with, may adopt one plan. The commissioner may combine the hearings required under s. 644.07 (6) for the converting insurance company and any domestic mutual that is the subject of the acquisition by, or merger or consolidation with, the converting insurance company. Section 644.07 (9), (10) (b) to (f), and (11) applies to a domestic mutual acquired by, merged into, or consolidated with a converting insurance company under this section. (2) Any foreign insurer acquired under a plan under this section may remain a foreign company after such acquisition and may be admitted to do business in this state if it meets the applicable requirements of ch. 618.History:  1997 a. 227; 2013 a. 279.
WI Stat § 644.12 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 644 - Domestic mutual insurance holding companies.|644.12 - Transfers of a mutual holding company's place of domicile to this state.

644.12  Transfers of a mutual holding company's place of domicile to this state. (1) A mutual holding company that is domiciled in another state and that desires to become a domestic mutual holding company may submit to the commissioner an application for a certificate of incorporation. The application shall comply with rules promulgated under sub. (2) and shall include or have attached any other relevant documents or information that the commissioner reasonably requires. Upon review of the application, the commissioner may issue a certificate of incorporation if the commissioner determines that all the following are satisfied:(a) The applicant is in compliance with the provisions of this chapter that apply to domestic mutual holding companies.(b) The directors and officers of the applicant are trustworthy and competent and collectively have the competence and experience to engage in the business proposed.(c) The applicant's insurance company subsidiary that converted from a mutual has become a domestic insurer under s. 611.223. (2) The commissioner shall by rule specify the required contents and form of an application under sub. (1). In determining the required contents, the commissioner shall consider the information and documents that will permit the commissioner to determine whether the requirements of sub. (1) (a) to (c) are satisfied.History:  1997 a. 227.
WI Stat § 644.13 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 644 - Domestic mutual insurance holding companies.|644.13 - Restrictions on ownership.

644.13  Restrictions on ownership. (1) In this section:(a) “Beneficial ownership", with respect to any voting stock, has the same meaning as provided by the rules administering section 16 of the Securities Exchange Act of 1934.(b) “Offer" means any of the following:1. An offer to buy or acquire voting stock, or an interest in voting stock, for value.2. A solicitation of an offer to sell voting stock, or an interest in voting stock, for value.3. A tender offer for voting stock, or an interest in voting stock, for value.4. A request or invitation for tenders of voting stock, or an interest in voting stock, for value. (2) (a) Before the date that is one year after the initial sale to 3rd parties in a public offering of voting stock of the converted insurance company or any intermediate stock holding company, the directors, officers and other members of management of the mutual holding company, any intermediate stock holding company and the converted insurance company are prohibited from acquiring or offering to acquire, in any manner, the legal or beneficial ownership of any class of voting stock of the converted insurance company or intermediate stock holding company, except that this paragraph shall not in any way limit the rights of the directors, officers or other members of management to exercise subscription rights generally accorded to members of the mutual holding company.(b) Except as otherwise provided by the commissioner by rule, beginning on the date that is one year after the initial sale to 3rd parties of voting stock of the converted insurance company or any intermediate stock holding company, the directors, officers and other members of management of the mutual holding company, any intermediate stock holding company and the converted insurance company may not do any of the following:1. Acting individually, directly or indirectly acquire or offer to acquire, in any manner, the legal or beneficial ownership of more than 5 percent of any class of voting stock of the converted insurance company or intermediate stock holding company.2. In the aggregate, directly or indirectly acquire or offer to acquire, in any manner, the legal or beneficial ownership of more than 10 percent of any class of voting stock of the converted insurance company or intermediate stock holding company. (3) (a) In the event of any violation of sub. (2), or of any action which, if consummated, might constitute such a violation, all voting stock of any intermediate stock holding company or the converted insurance company that is acquired by any person in excess of the maximum amount permitted to be acquired by such person under sub. (2) shall be considered to be nonvoting stock of any such intermediate stock holding company or converted insurance company, as the case may be.(b) In addition to the result specified in par. (a), the violation or action is subject to the enforcement procedures under s. 601.64.History:  1997 a. 227.
WI Stat § 644.14 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 644 - Domestic mutual insurance holding companies.|644.14 - Member rights.

644.14  Member rights. (1) Communication to members; member voting. Subject to this section, ss. 611.41, 611.42 (1), (1e), (1m), (2), (3), (4) (a) and (5), 611.43 and 611.53 (2) apply to mutual holding companies. (2)  Notice of regular meetings and elections. Notice of the time and place of regular meetings or elections may be given to a member by printing such time and place conspicuously on each policy under which the member derives a membership interest, or in such other reasonable manner as the commissioner approves or requires.History:  1997 a. 227; 1999 a. 30.