reglab/housing_qa huggingface dataset:
IA Code § 505.15 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 505 - INSURANCE DIVISION|Section 505.15 - Actuarial, professional, and specialist staff.

505.15 Actuarial, professional, and specialist staff.   1. The commissioner may appoint a staff of actuaries as necessary to carry out the duties of the division. The actuarial staff shall do all of the following:   a. Perform analyses of rate filings.   b. Perform audits of submitted loss data.   c. Conduct rate hearings and serve as expert witnesses.   d. Prepare, review, and dispense data on the insurance business.   e. Assist in public education concerning the insurance business.   f. Identify any impending problem areas in the insurance business.   g. Assist in examinations of insurance companies.   2. The commissioner may retain, or the commissioner’s designee may request that the commissioner retain, attorneys, appraisers, independent actuaries, independent certified public accountants, or other professionals or specialists to assist the division or the consumer advocate bureau in carrying out its duties in regard to rate filing reviews. The reasonable cost of retaining such professionals and specialists shall be borne by the insurer which is the subject of the rate filing review.  87 Acts, ch 132, §2; 2008 Acts, ch 1123, §10; 2009 Acts, ch 145, §4  Referred to in §505.8
IA Code § 505.16 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 505 - INSURANCE DIVISION|Section 505.16 - Applications for insurance — human immunodeficiency virus tests — restrictions.

505.16 Applications for insurance — human immunodeficiency virus tests — restrictions.   1. A person engaged in the business of insurance shall not require a test of an individual in connection with an application for insurance for the presence of an antibody to the human immunodeficiency virus unless the individual provides a written release on a form approved by the insurance commissioner. The form shall include information regarding the purpose, content, use, and meaning of the test, disclosure of test results including information explaining the effect of releasing the information to a person engaged in the business of insurance, the purpose for which the test results may be used, and other information approved by the insurance commissioner. The form shall also authorize the person performing the test to provide the results of the test to the insurance company subject to rules of confidentiality, consistent with section 141A.9, approved by the insurance commissioner. As used in this section, “a person engaged in the business of insurance” includes hospital service corporations organized under chapter 514 and health maintenance organizations subject to chapter 514B.   2. The insurance commissioner shall approve rules for carrying out this section including rules relating to the preparation of information to be provided before and after a test and the protection of confidentiality of personal and medical records of insurance applicants and policyholders. The rules shall require a person engaged in the business of insurance who receives results of a positive human immunodeficiency virus test of an insurance applicant or policyholder to report those results to a physician or alternative testing site of the applicant’s or policyholder’s choice, or if the applicant or policyholder does not choose a physician or alternative testing site to receive the results, to the Iowa department of public health.  88 Acts, ch 1234, §7; 99 Acts, ch 181, §17; 2006 Acts, ch 1117, §15  Referred to in §141A.7
IA Code § 505.17 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 505 - INSURANCE DIVISION|Section 505.17 - Confidential information.

505.17 Confidential information.   1. a. Information, records, and documents utilized for the purpose of, or in the course of, investigation, regulation, or examination of an insurance company or insurance holding company, received by the division from some other governmental entity which treats such information, records, and documents as confidential, are confidential and shall not be disclosed by the division and are not subject to subpoena. Such information, records, and documents do not constitute a public record under chapter 22.   b. The disclosure of confidential information, administrative or judicial orders which contain confidential information, or information regarding other action of the division which is not a public record subject to disclosure, to other insurance and financial regulatory officials may be permitted by the commissioner provided that those officials are subject to, or agree to comply with, standards of confidentiality comparable to those imposed on the commissioner.   2. Notwithstanding subsection 1, an application for a rate increase filed by a health insurance carrier and all information, records, and documents accompanying such an application or utilized for the purpose of, or in the course of consideration of the application by the commissioner, shall constitute a public record under chapter 22 except as provided in this subsection.   a. The commissioner shall consider the written request of a health insurance carrier to keep confidential certain details of an application or accompanying information, records, and documents. If the request includes a sufficient explanation as to why public disclosure of such details would give an unfair advantage to competitors, the commissioner shall keep such details confidential. If the commissioner elects to keep certain details confidential, the commissioner shall release only the nonconfidential details in response to a request for records made pursuant to chapter 22. If confidential details are withheld from a request for records made pursuant to chapter 22, the commissioner shall release an explanation of why the information was deemed confidential and a summary of the nature of the information withheld and the reasons for withholding the information.   b. In considering requests for confidential treatment, the commissioner shall narrowly construe the provisions of this subsection in order to appropriately balance an applicant’s need for confidentiality against the public’s right to information about the application.  94 Acts, ch 1176, §4; 99 Acts, ch 165, §1; 2010 Acts, ch 1121, §6, 33  Referred to in §505.7
IA Code § 505.18 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 505 - INSURANCE DIVISION|Section 505.18 - Health care insurance quality and costs — annual report.

505.18 Health care insurance quality and costs — annual report.   1. Consumers deserve to know the quality and cost of their health care insurance. Health care insurance transparency provides consumers with the information necessary, and the incentive, to choose health plans based on cost and quality. Reliable cost and quality information about health care insurance empowers consumer choice and consumer choice creates incentives at all levels, and motivates the entire health care delivery system to provide better health care and health care benefits at a lower cost. It is the purpose of this section to make information regarding the costs of health care insurance readily available to consumers through the consumer advocate bureau of the insurance division.   2. The commissioner in collaboration with the consumer advocate shall prepare and deliver a report to the governor and to the general assembly no later than November 15 of each year that provides findings regarding health spending costs for health insurance carriers in the state for the previous calendar year. The commissioner may contract with outside vendors or entities to assist in providing the information contained in the annual report. The report shall provide, at a minimum, the following information:   a. Aggregate health insurance data concerning loss ratios of health insurance carriers licensed to do business in the state.   b. Rate increase data.   c. Health care expenditures in the state and the effect of such expenditures on health insurance premium rates.   d. A ranking and quantification of those factors that result in higher costs and those factors that result in lower costs for each health insurance carrier in the state.   e. The current capital and surplus and reserve amounts held in reserve by each health insurance carrier licensed to do business in the state.   f. A listing of any apparent medical trends affecting health insurance costs in the state.   g. Any additional data or analysis deemed appropriate by the commissioner to provide the general assembly with pertinent health insurance cost information.   h. Recommendations made by the work group convened pursuant to section 505.8, subsection 18.  2010 Acts, ch 1121, §7, 33; 2011 Acts, ch 70, §4, 5  Referred to in §505.7, 505.8
IA Code § 505.20 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 505 - INSURANCE DIVISION|Section 505.20 - Certain agricultural organizations exempt from regulation.

505.20 Certain agricultural organizations exempt from regulation.   1. A health benefit plan, sponsored by a nonprofit agricultural organization domiciled in this state and created primarily to promote programs for the development of rural communities and the economic stability and sustainability of farmers in the state which meets the requirements set forth in subsection 2, shall be deemed to not be insurance and shall not be subject to the provisions of this subtitle, to the extent such plan, after January 1, 2018, provides health benefits under a self-funded arrangement that is administered by a domestic entity that is registered as a third-party administrator pursuant to chapter 510 and that has continuously provided, either directly or through an affiliate, health care administrative services to the nonprofit agricultural organization or its affiliates for a period in excess of ten years.   2. A nonprofit agricultural organization providing a health benefit plan to its members under this section must meet all of the following requirements:   a. Have been in existence for twenty-five continuous years prior to the issuance of health benefits to members of the organization.   b. Provide membership opportunities for eligible individuals in all ninety-nine counties of the state.   c. Collect annual dues from members.   d. Hold regular meetings to further the purposes of the members.   e. Provide the members with representation on its governing board and committees.   f. Provide education, mentoring, and financial assistance to grow and expand rural businesses in the state.   g. Have contracted with the domestic entity described in subsection 1 to administer the health benefit plan.   3. Such nonprofit agricultural organization shall file a certification with the commissioner that the organization meets the foregoing requirements prior to providing health benefits under a self-funded arrangement to its members.  2018 Acts, ch 1063, §1
IA Code § 505.21 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 505 - INSURANCE DIVISION|Section 505.21 - Health care access — duties of commissioner — penalties.

505.21 Health care access — duties of commissioner — penalties.   1. The commissioner shall adopt rules establishing a requirement that an employer provide access to health care to the employees of the employer. The rules shall provide that an employer doing business within this state shall offer each employee, at a minimum, access to health insurance. The requirement contained in this section may be satisfied by offering any of the following:   a. Health care coverage through an insurer or health maintenance organization authorized to do business in this state.   b. Access to health benefits through a health benefits plan qualified under the federal Employee Retirement Income Security Act of 1974.   2. An employer may financially contribute toward the employee’s health benefit plan. The employer shall offer payroll deduction of employee contributions and direct deposit of premium payments related to a health insurance purchasing cooperative or other health care coverage.   3. A violation of this section may be reported to the consumer and legal affairs bureau in the insurance division. The division may issue, upon a finding that an employer has failed to offer an employee access to health insurance, any of the following:   a. A cease and desist order instructing the employer to cure the failure and desist from future violations of this section.   b. An order requiring an employer who has previously been the subject of a cease and desist order to pay an employee’s reasonable health insurance premiums necessary to prevent or cure a lapse in health care coverage arising out of the employer’s failure to offer as required.   c. An order upon the employer assessing the reasonable costs of the division’s investigation and enforcement action.  94 Acts, ch 1176, §6; 98 Acts, ch 1217, §38
IA Code § 505.22 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 505 - INSURANCE DIVISION|Section 505.22 - Certain religious organization activities exempt from regulation.

505.22 Certain religious organization activities exempt from regulation.   A religious organization which, through its publication to subscribers, solicits funds for the payment of medical expenses of other subscribers, shall not be considered to be engaging in the business of insurance for purposes of this chapter or any other provision of this title, and shall not be subject to the jurisdiction of the commissioner of insurance, if all of the following apply:   1. The religious publication is provided by a nonprofit charitable organization described in section 501(c)(3) of the Internal Revenue Code.   2. Participation is limited to subscribers who are members of the same denomination or religion.   3. The publication is registered with the United States postal service and acts as an organizational clearinghouse for information between subscribers who have financial, physical, or medical needs, and subscribers who choose to assist with those needs, matching subscribers with the present ability to pay with subscribers with a present financial or medical need.   4. The organization, through its publication, provides for the payment for subscriber financial or medical needs through direct payments from one subscriber to another.   5. The organization, through its publication, suggests amounts to contribute that are voluntary among the subscribers, with no assumption of risk or promise to pay either among the subscribers or between the subscribers and the publication.  95 Acts, ch 185, §3
IA Code § 505.23 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 505 - INSURANCE DIVISION|Section 505.23 - Hearings.

505.23 Hearings.   If an evidentiary hearing is conducted in a proceeding pursuant to section 508B.7, 515G.7, 521A.3, or 521A.14, or in a proceeding with respect to a merger or consolidation pursuant to chapter 521, the proceeding is a contested case subject to chapter 17A.  2000 Acts, ch 1023, §6
IA Code § 505.24 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 505 - INSURANCE DIVISION|Section 505.24 - Sale of policy term information by consumer reporting agency.

505.24 Sale of policy term information by consumer reporting agency.   1. For purposes of this section, unless the context otherwise requires, “consumer reporting agency” means any person that for monetary fees, dues, or on a cooperative nonprofit basis regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties and that uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.   2. A consumer reporting agency shall not provide or sell data or lists that include any information that in whole or in part was submitted in conjunction with an insurance inquiry about a consumer’s credit information or a request for a credit report or insurance score. Information submitted in conjunction with an insurance inquiry about a consumer includes, but is not limited to, the expiration dates of an insurance policy or any other information that may identify time periods during which a consumer’s insurance may expire and the terms and conditions of the consumer’s insurance coverage.   3. The restrictions provided in subsection 2 do not apply to data or lists supplied by a consumer reporting agency to an insurance producer from whom information was received, the insurer on whose behalf such producer acted, or such insurer’s affiliates or holding companies.   4. This section shall not be construed to restrict any insurer from being able to obtain a claims history report or a motor vehicle report.  2003 Acts, ch 91, §3
IA Code § 505.25 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 505 - INSURANCE DIVISION|Section 505.25 - Information provided to medical assistance program, hawk-i program, and child support recovery unit.

505.25 Information provided to medical assistance program, hawk-i program, and child support recovery unit.   A carrier, as defined in section 514C.13, shall enter into a health insurance data match program with the department of human services for the sole purpose of comparing the names of the carrier’s insureds with the names of recipients of the medical assistance program under chapter 249A, individuals under the purview of the child support recovery unit pursuant to chapter 252B, or enrollees of the hawk-i program under chapter 514I.  2004 Acts, ch 1175, §153, 162; 2005 Acts, ch 175, §123; 2006 Acts, ch 1119, §6  Referred to in §249A.37, 252B.9
IA Code § 505.27 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 505 - INSURANCE DIVISION|Section 505.27 - Medical malpractice insurance — annual claims reports required.

505.27 Medical malpractice insurance — annual claims reports required.   1. An insurer providing medical malpractice insurance coverage to Iowa health care providers shall file annually on or before June 1 with the commissioner a report of all medical malpractice insurance claims, both open claims and closed claims filed during the reporting period, against any such Iowa insureds during the preceding calendar year.   2. The report shall be in writing and contain all of the following information aggregated by specialty area and paid loss and paid expense categories established by the commissioner:   a. The total number of claims in the reporting period and the nature and substance of such claims.   b. The total amounts paid within six months after final disposition of the claims.   c. The total amount reserved for the payment of claims incurred and reported but not disposed.   d. The expenses, as set forth by rule, related to the claims.   e. Any other additional information as required by the commissioner by rule.   3. The commissioner shall compile annually the data included in reports filed by insurers pursuant to this section into an aggregate form by insurer, except that such data shall not include information that directly or indirectly identifies any individual, including a patient, an insured, or a health care provider. The commissioner shall submit a written report summarizing such data along with any recommendations to the general assembly and the governor annually by December 1.   4. A report prepared pursuant to subsection 1 or 3 shall be open to the public and shall be made available to a requesting party by the commissioner at no charge, except that any identifying information of any individual, including a patient, an insured, or health care provider, shall remain confidential.   5. For purposes of this section:   a. “Health care provider” means the same as defined in section 135.61, a hospital licensed pursuant to chapter 135B, or a health care facility licensed pursuant to chapter 135C.   b. “Insurer” means an insurance company authorized to transact insurance business in this state. “Insurer” does not include a health care provider who maintains professional liability insurance coverage through a self-insurance plan, an unauthorized insurance company transacting business with an insured person in this state, or a person not authorized to transact insurance business in this state.  2006 Acts, ch 1128, §3; 2017 Acts, ch 29, §141; 2019 Acts, ch 59, §177  Referred to in §135P.4
IA Code § 505.27A (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 505 - INSURANCE DIVISION|Section 505.27A - Sale of life insurance to military personnel.

505.27A Sale of life insurance to military personnel.   Notwithstanding any other provision of this title, the commissioner of insurance shall have the authority to adopt such rules related to the sale of life insurance, other than the servicemembers’ group life insurance program under 38 U.S.C. pt. II, ch. 19, subch. III, as may be necessary to protect military personnel located either on a United States military installation or elsewhere in this state and to carry out the provisions of this title.  2007 Acts, ch 137, §7
IA Code § 505.28 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 505 - INSURANCE DIVISION|Section 505.28 - Consent to jurisdiction.

505.28 Consent to jurisdiction.   A person committing any act governed by chapter 502, 502A, this chapter, chapters 505A through 523G, or 523I constitutes consent by that person to the jurisdiction of the commissioner of insurance and the district courts of this state.  2006 Acts, ch 1117, §16; 2011 Acts, ch 25, §61
IA Code § 505.29 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 505 - INSURANCE DIVISION|Section 505.29 - Administrative hearings — authority to appoint hearing officer.

505.29 Administrative hearings — authority to appoint hearing officer.   The commissioner of insurance shall have the authority to appoint as a hearing officer a designee or an independent administrative law judge. Duties of a hearing officer shall include hearing contested cases arising from conduct governed by chapters 502, 502A, this chapter, chapters 505A through 523G, and 523I. Sections 10A.801 and 17A.11 do not apply to the appointment of a designee or an administrative law judge pursuant to this section.  2006 Acts, ch 1117, §17; 2011 Acts, ch 25, §62  Referred to in §505.8, 507B.7A