reglab/housing_qa huggingface dataset:
NV Rev Stat § 686B.080 (2021)
2021 Nevada Revised Statutes|Chapter 686B - Rates and Essential Insurance|NRS 686B.080 - Rates and supplementary information open to public inspection; copies; exceptions.

  1. Except as otherwise provided in subsections 2 to 5, inclusive, each filing and any supporting information filed under NRS 686B.010 to 686B.1799, inclusive, must, as soon as filed, be open to public inspection at any reasonable time. Copies may be obtained by any person on request and upon payment of a reasonable charge therefor.  2. All rates for health benefit plans available for purchase by individuals and small employers are considered proprietary and constitute trade secrets, and are not subject to disclosure by the Commissioner to persons outside the Division except as agreed to by the carrier or as ordered by a court of competent jurisdiction.  3. The provisions of subsection 2 expire annually on the date 30 days before open enrollment.  4. Except in cases of violations of NRS 689A.010 to 689A.740, inclusive, or 689C.015 to 689C.355, inclusive, the unified rate review template and rate filing documentation used by carriers servicing the individual and small employer markets are considered proprietary and constitute a trade secret, and are not subject to disclosure by the Commissioner to persons outside the Division except as agreed to by the carrier or as ordered by a court of competent jurisdiction.  5. An insurer providing blanket health insurance in accordance with the provisions of chapter 689B of NRS shall make all information concerning rates available to the Commissioner upon request. Such information is considered proprietary and constitutes a trade secret and is not subject to disclosure by the Commissioner to persons outside the Division except as agreed by the insurer or as ordered by a court of competent jurisdiction.  6. For the purposes of this section:  (a) "Open enrollment" has the meaning ascribed to it in 45 C.F.R. § 147.104(b)(1)(ii).   (b) "Rate filing documentation" and "unified rate review template" have the meanings ascribed to them in 45 C.F.R. § 154.215.  (Added to NRS by 1971, 1700; A 1985, 1068; 2013, 3605; 2015, 3471; 2019, 1435)
NV Rev Stat § 686B.090 (2021)
2021 Nevada Revised Statutes|Chapter 686B - Rates and Essential Insurance|NRS 686B.090 - Use of rates and supplementary information prepared by rate service organization.

  1. An insurer shall establish rates and supplementary rate information for any market segment based on the factors in NRS 686B.060. If an insurer has insufficient creditable loss experience, it may use rates and supplementary rate information prepared by a rate service organization, with modification for its own expense and loss experience.  2. An insurer may discharge its obligation under subsection 1 of NRS 686B.070 by giving notice to the Commissioner that it uses rates and supplementary rate information prepared by a designated rate service organization, with such information about modifications thereof as are necessary fully to inform the Commissioner. The insurer’s rates and supplementary rate information shall be deemed those filed from time to time by the rate service organization, including any amendments thereto as filed, subject to the modifications filed by the insurer.  (Added to NRS by 1971, 1701; A 1987, 1534; 2003, 920, 3353)
NV Rev Stat § 686B.100 (2021)
2021 Nevada Revised Statutes|Chapter 686B - Rates and Essential Insurance|NRS 686B.100 - Filing of supporting data.

  1. By rule, the Commissioner may require the filing of supporting data as to any or all kinds or lines of insurance or subdivisions thereof or classes of risks or combinations thereof as the Commissioner deems necessary for the proper functioning of the process for monitoring and regulating rates. The supporting data must include:  (a) The experience and judgment of the filer, and, to the extent it wishes or the Commissioner requires, of other insurers or rate service organizations;  (b) Its interpretation of any statistical data relied upon;  (c) Descriptions of the actuarial and statistical methods employed in setting the rates; and  (d) Any other relevant matters required by the Commissioner.  2. Whenever a filing of a proposed increase in a rate is not accompanied by such information as the Commissioner has required under subsection 1, the Commissioner may so inform the insurer and the filing shall be deemed to be made when the information is furnished.  (Added to NRS by 1971, 1701; A 1985, 1068; 1987, 1534; 1989, 601, 2176)
NV Rev Stat § 686B.112 (2021)
2021 Nevada Revised Statutes|Chapter 686B - Rates and Essential Insurance|NRS 686B.112 - Disapproval of rate filing for health plan.

  1. The Commissioner shall perform an actuarial review of and consider each rate filing of a health plan issued pursuant to the provisions of chapter 689A, 689B, 689C, 695B, 695C, 695D or 695F of NRS, including, without limitation, long-term care and Medicare supplement plans, filed with the Commissioner pursuant to subsection 1 of NRS 686B.070. If the Commissioner finds that a proposed rate which is contained in a rate filing will result in a rate which is not in compliance with NRS 686B.050 or subsection 3 of NRS 686B.070, the Commissioner shall disapprove the rate filing. The Commissioner shall approve or disapprove each rate filing not later than 60 days after the rate filing is determined by the Commissioner to be complete pursuant to subsection 4. If the Commissioner fails to approve or disapprove the rate filing within that period, the rate filing shall be deemed approved.  2. Whenever an insurer has no legally effective rates as a result of the Commissioner’s disapproval of rates or other act, the Commissioner shall on request specify interim rates for the insurer that are high enough to protect the interests of all parties and may order that a specified portion of the premiums be placed in an escrow account approved by the Commissioner. When new rates become legally effective, the Commissioner shall order the escrowed funds or any overcharge in the interim rates to be distributed appropriately, except that refunds to policyholders that are de minimis must not be required.  3. If the Commissioner disapproves a rate filing pursuant to subsection 1, and an insurer requests a hearing to determine the validity of the action of the Commissioner, the insurer has the burden of showing compliance with the applicable standards for rates established in NRS 686B.010 to 686B.1799, inclusive. Any such hearing must be held:  (a) Within 30 days after the request for a hearing has been submitted to the Commissioner; or  (b) Within a period agreed upon by the insurer and the Commissioner.  If the hearing is not held within the period specified in paragraph (a) or (b), or if the Commissioner fails to issue an order concerning the rate filing for which the hearing is held within 45 days after the hearing, the rate filing shall be deemed approved.  4. The Commissioner shall by regulation specify the documents or any other information which must be included in a rate filing submitted to the Commissioner pursuant to subsection 1. Each such rate filing shall be deemed complete upon its filing with the Commissioner, unless the Commissioner, within 15 business days after the rate filing is filed with the Commissioner, determines that the rate filing is incomplete because the rate filing does not comply with the regulations adopted by the Commissioner pursuant to this subsection.  5. The Commissioner may assess against an insurer the actual cost for the external actuarial review of a rate filing submitted pursuant to subsection 1.  (Added to NRS by 2017, 2343; A 2019, 1437, 1704)
NV Rev Stat § 686B.115 (2021)
2021 Nevada Revised Statutes|Chapter 686B - Rates and Essential Insurance|NRS 686B.115 - Hearing on rates open to public; cost for transcripts; public testimony.

  1. Any hearing held by the Commissioner to determine whether rates comply with the provisions of NRS 686B.010 to 686B.1799, inclusive, must be open to members of the public.  2. All costs for transcripts prepared pursuant to such a hearing must be paid by the insurer requesting the hearing.  3. At any hearing which is held by the Commissioner to determine whether rates comply with the provisions of NRS 686B.010 to 686B.1799, inclusive, and which involves rates for insurance covering the liability of a practitioner licensed pursuant to chapter 630, 631, 632 or 633 of NRS for a breach of the practitioner’s professional duty toward a patient, if a person is not otherwise authorized pursuant to this title to become a party to the hearing by intervention, the person is entitled to provide testimony at the hearing if, not later than 2 days before the date set for the hearing, the person files with the Commissioner a written statement which states:  (a) The name and title of the person;  (b) The interest of the person in the hearing; and  (c) A brief summary describing the purpose of the testimony the person will offer at the hearing.  4. If a person provides testimony at a hearing in accordance with subsection 3:  (a) The Commissioner may, if the Commissioner finds it necessary to preserve order, prevent inordinate delay or protect the rights of the parties at the hearing, place reasonable limitations on the duration of the testimony and prohibit the person from providing testimony that is not relevant to the issues raised at the hearing.  (b) The Commissioner shall consider all relevant testimony provided by the person at the hearing in determining whether the rates comply with the provisions of NRS 686B.010 to 686B.1799, inclusive.  (Added to NRS by 1987, 1532; A 1995, 1623; 2003, 921; 2017, 2347; 2019, 1438)
NV Rev Stat § 686B.117 (2021)
2021 Nevada Revised Statutes|Chapter 686B - Rates and Essential Insurance|NRS 686B.117 - Intervention in hearing on rates.

If a filing made with the Commissioner pursuant to paragraph (a) of subsection 1 of NRS 686B.070 pertains to insurance covering the liability of a practitioner licensed pursuant to chapter 630, 631, 632 or 633 of NRS for a breach of the practitioner’s professional duty toward a patient, any interested person, and any association of persons or organization whose members may be affected, may intervene as a matter of right in any hearing or other proceeding conducted to determine whether the applicable rate or proposed increase thereto:  1. Complies with the standards set forth in NRS 686B.050 and subsection 3 of NRS 686B.070.  2. Should be approved or disapproved.  (Added to NRS by 2003, 3351; A 2013, 259)
NV Rev Stat § 686B.119 (2021)
2021 Nevada Revised Statutes|Chapter 686B - Rates and Essential Insurance|NRS 686B.119 - Notice of material change in premiums based upon change in zip code of policyholder.

Each insurer shall notify its policyholders, in a manner which the Commissioner shall prescribe by regulation, if the policyholders’ premiums for insurance will be materially increased or decreased because the zip code assigned to the address of the policyholder is changed by the United States Postal Service.  (Added to NRS by 1991, 2117)
NV Rev Stat § 686B.125 (2021)
2021 Nevada Revised Statutes|Chapter 686B - Rates and Essential Insurance|NRS 686B.125 - Limitation on rates for coverage for dental care; exception.

  1. Except as otherwise provided in this section, no insurer, organization or person licensed pursuant to this title may sell or offer to sell any contract providing coverage for dental care at a rate which is excessive for the benefits offered to the insured or member. For the purpose of this section, a ratio of losses to premiums collected which is less than 75 percent is presumed to show an excessive rate.  2. The provisions of subsection 1 do not apply to a contract providing coverage for dental care that is sold to a small employer pursuant to the provisions of chapter 689C of NRS.  3. As used in this section, "small employer" has the meaning ascribed to it in NRS 689C.095.  (Added to NRS by 1983, 2028; A 2013, 3606)
NV Rev Stat § 686B.130 (2021)
2021 Nevada Revised Statutes|Chapter 686B - Rates and Essential Insurance|NRS 686B.130 - Limitation on services relating to rates of insurance; services of rate service organization and advisory organization to be offered to any insurer.

  1. A rate service organization and an advisory organization shall not provide any service relating to the rates of any insurance subject to NRS 686B.010 to 686B.1799, inclusive, and an insurer shall not utilize the services of an organization for such purposes unless the organization has obtained a license pursuant to NRS 686B.140.  2. A rate service organization and an advisory organization shall not refuse to supply any services for which it is licensed in this state to any insurer authorized to do business in this state and offering to pay the fair and usual compensation for the services.  (Added to NRS by 1971, 1702; A 1985, 1069; 1995, 2056; 2019, 1439)
NV Rev Stat § 686B.143 (2021)
2021 Nevada Revised Statutes|Chapter 686B - Rates and Essential Insurance|NRS 686B.143 - Payment of child support: Statement by applicant for license; grounds for denial of license; duty of Commissioner. [Effective until the date of the repeal of 42 U.S.C. § 666, the federal law requiring each state to establish procedures for withholding, suspending and restricting the professional, occupational and recreational licenses for child support arrearages and for noncompliance with certain processes relating to paternity or child support proceedings.]

  1. A natural person who applies for the issuance or renewal of a license as a rate service organization shall submit to the Commissioner the statement prescribed by the Division of Welfare and Supportive Services of the Department of Health and Human Services pursuant to NRS 425.520. The statement must be completed and signed by the applicant.  2. The Commissioner shall include the statement required pursuant to subsection 1 in:  (a) The application or any other forms that must be submitted for the issuance or renewal of the license; or  (b) A separate form prescribed by the Commissioner.  3. A license as a rate service organization may not be issued or renewed by the Commissioner if the applicant is a natural person who:  (a) Fails to submit the statement required pursuant to subsection 1; or  (b) Indicates on the statement submitted pursuant to subsection 1 that the applicant is subject to a court order for the support of a child and is not in compliance with the order or a plan approved by the district attorney or other public agency enforcing the order for the repayment of the amount owed pursuant to the order.  4. If an applicant indicates on the statement submitted pursuant to subsection 1 that the applicant is subject to a court order for the support of a child and is not in compliance with the order or a plan approved by the district attorney or other public agency enforcing the order for the repayment of the amount owed pursuant to the order, the Commissioner shall advise the applicant to contact the district attorney or other public agency enforcing the order to determine the actions that the applicant may take to satisfy the arrearage.  (Added to NRS by 1997, 2196)
NV Rev Stat § 686B.147 (2021)
2021 Nevada Revised Statutes|Chapter 686B - Rates and Essential Insurance|NRS 686B.147 - Suspension of license for failure to pay child support or comply with certain subpoenas or warrants; reinstatement of license. [Effective until the date of the repeal of 42 U.S.C. § 666, the federal law requiring each state to establish procedures for withholding, suspending and restricting the professional, occupational and recreational licenses for child support arrearages and for noncompliance with certain processes relating to paternity or child support proceedings.]

  1. If the Commissioner receives a copy of a court order issued pursuant to NRS 425.540 that provides for the suspension of all professional, occupational and recreational licenses, certificates and permits issued to a person who is the holder of a license as a rate service organization, the Commissioner shall deem the license issued to that person to be suspended at the end of the 30th day after the date on which the court order was issued unless the Commissioner receives a letter issued to the holder of the license by the district attorney or other public agency pursuant to NRS 425.550 stating that the holder of the license has complied with the subpoena or warrant or has satisfied the arrearage pursuant to NRS 425.560.  2. The Commissioner shall reinstate a license as a rate service organization that has been suspended by a district court pursuant to NRS 425.540 if the Commissioner receives a letter issued by the district attorney or other public agency pursuant to NRS 425.550 to the person whose license was suspended stating that the person whose license was suspended has complied with the subpoena or warrant or has satisfied the arrearage pursuant to NRS 425.560.  (Added to NRS by 1997, 2196)
NV Rev Stat § 686B.150 (2021)
2021 Nevada Revised Statutes|Chapter 686B - Rates and Essential Insurance|NRS 686B.150 - Binding agreements by insurers.

No insurer shall assume any obligation to any person other than a policyholder or other companies under common control to use or adhere to certain rates or rules, and no other person shall impose any penalty or other adverse consequence for failure of an insurer to adhere to certain rates or rules.  (Added to NRS by 1971, 1703)
NV Rev Stat § 686B.160 (2021)
2021 Nevada Revised Statutes|Chapter 686B - Rates and Essential Insurance|NRS 686B.160 - Recording and reporting of experience.

  1. The Commissioner may promulgate or approve reasonable rules providing statistical plans for use thereafter by all insurers in the recording and reporting of loss and expense experience, in order that the experience of insurers may be made available to the Commissioner.  2. The Commissioner may designate one or more rate service organizations to assist the Commissioner in gathering such experience and making compilations thereof, which must be made available to the public.  (Added to NRS by 1971, 1703; A 1987, 1535)
NV Rev Stat § 686B.175 (2021)
2021 Nevada Revised Statutes|Chapter 686B - Rates and Essential Insurance|NRS 686B.175 - State contribution for federally reinsured losses.

  1. The Commissioner is authorized to assess each insurance company authorized to do business in this state an aggregate amount sufficient to provide a fund to reimburse the Secretary of Housing and Urban Development in the manner set forth in section 1223(a)(1) of the National Housing Act as amended by section 1103 of the Urban Property Protection and Reinsurance Act of 1968, P.L. 90-448, 82 Stat. 476. The assessment shall be on those lines reinsured during the current year in this state by the Secretary of Housing and Urban Development pursuant to such act. The assessment shall be in the proportion that the premiums earned during the preceding calendar year by each such company in this state bear to the aggregate premiums earned on those lines in this state by all insurers. The fund may be provided in whole or in part from appropriations by the Legislature.  2. Rates used by an insurer shall not be deemed excessive because they contain an amount reasonably calculated to recoup assessments made under this section.  (Added to NRS by 1971, 1707)
NV Rev Stat § 686B.1751 (2021)
2021 Nevada Revised Statutes|Chapter 686B - Rates and Essential Insurance|NRS 686B.1751 - Definitions.

As used in NRS 686B.1751 to 686B.1799, inclusive, unless the context otherwise requires, the words and terms defined in NRS 686B.1752 to 686B.1762, inclusive, have the meanings ascribed to them in those sections.  (Added to NRS by 1995, 2049; A 1999, 2220, 3381; 2001, 2256; 2017, 2348)
NV Rev Stat § 686B.1752 (2021)
2021 Nevada Revised Statutes|Chapter 686B - Rates and Essential Insurance|NRS 686B.1752 - "Advisory Organization" defined.

Advisory Organization, when preceded by the definite article, means the organization designated by the Commissioner pursuant to NRS 686B.1764.  (Added to NRS by 1995, 2049)
NV Rev Stat § 686B.1753 (2021)
2021 Nevada Revised Statutes|Chapter 686B - Rates and Essential Insurance|NRS 686B.1753 - "Basic premium rate" defined.

Basic premium rate means the portion of a rate attributable to the cost of losses per unit of exposure and includes the expense of adjusting those losses.  (Added to NRS by 1995, 2049)
NV Rev Stat § 686B.1754 (2021)
2021 Nevada Revised Statutes|Chapter 686B - Rates and Essential Insurance|NRS 686B.1754 - "Classification of risks" defined.

Classification of risks or "classification" means the system or arrangement used to recognize differences of exposure to hazards among employers with different occupations, industries or operations.  (Added to NRS by 1995, 2049)
NV Rev Stat § 686B.1755 (2021)
2021 Nevada Revised Statutes|Chapter 686B - Rates and Essential Insurance|NRS 686B.1755 - "Expenses" defined.

Expenses means the portion of a rate attributable to the costs for the acquisition of employers to insure, supervision of employees and agents, collection of accounts, general expenses, taxes, licenses and fees.  (Added to NRS by 1995, 2049)
NV Rev Stat § 686B.1757 (2021)
2021 Nevada Revised Statutes|Chapter 686B - Rates and Essential Insurance|NRS 686B.1757 - "Industrial insurance" defined.

Industrial insurance means insurance which provides the compensation required by chapters 616A to 617, inclusive, of NRS and employer’s liability insurance provided in connection with that insurance.  (Added to NRS by 1995, 2049)
NV Rev Stat § 686B.1759 (2021)
2021 Nevada Revised Statutes|Chapter 686B - Rates and Essential Insurance|NRS 686B.1759 - "Insurer" defined.

Insurer means any private carrier authorized to provide industrial insurance in this state.  (Added to NRS by 1995, 2049; A 1997, 1450; 1999, 444, 1833)
NV Rev Stat § 686B.17595 (2021)
2021 Nevada Revised Statutes|Chapter 686B - Rates and Essential Insurance|NRS 686B.17595 - "Large-deductible agreement" defined.

Large-deductible agreement means any combination of one or more policies, endorsements, contracts or security arrangements, which provide for the policyholder to bear the risk of loss of a specified amount of $25,000 or more per claim or occurrence covered under a policy of industrial insurance and which may be subject to an aggregate limit of the policyholder’s reimbursement obligations.  (Added to NRS by 2017, 2342)
NV Rev Stat § 686B.176 (2021)
2021 Nevada Revised Statutes|Chapter 686B - Rates and Essential Insurance|NRS 686B.176 - "Plan for rating experience" defined.

Plan for rating experience means a procedure used to predict the future losses of an individual policyholder by measuring the past losses of the individual policyholder against the losses of other policyholders in the same classification to determine any prospective credit, debit or unitary modifications of premiums for the individual policyholder.  (Added to NRS by 1995, 2049)
NV Rev Stat § 686B.17605 (2021)
2021 Nevada Revised Statutes|Chapter 686B - Rates and Essential Insurance|NRS 686B.17605 - "Prospective loss cost" defined.

Prospective loss cost means the portion of a rate that is based on historical aggregate losses and loss adjustment expenses which are adjusted to their ultimate value and projected to a future point in time. Except as otherwise provided in this section, the term does not include provisions for expenses or profit.  (Added to NRS by 1999, 2219)
NV Rev Stat § 686B.1761 (2021)
2021 Nevada Revised Statutes|Chapter 686B - Rates and Essential Insurance|NRS 686B.1761 - "Rate" defined.

Rate means the cost of insurance based on a unit of exposure to liability before any adjustments are made for an individual employer’s losses, or expenses, or a combination of both. The term does not include minimum premiums charged by an insurer.  (Added to NRS by 1995, 2049)