reglab/housing_qa huggingface dataset:
IA Code § 514K.2 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 514K - HEALTH CARE PLAN INFORMATION|Section 514K.2 - Health carrier disclosures — public internet sites.

514K.2 Health carrier disclosures — public internet sites.   1. A carrier that provides small group health coverage pursuant to chapter 513B or individual health coverage pursuant to chapter 513C and that offers for sale a policy, contract, or plan that covers the essential health benefits required pursuant to section 1302 of the federal Patient Protection and Affordable Care Act, Pub. L. No. 111-148, and its implementing regulations, shall provide to each of its enrollees at the time of enrollment, and shall make available to prospective enrollees and enrollees, insurance producers licensed under chapter 522B, and the general public, on the carrier’s internet site, all of the following information in a clear and understandable form for use in comparing policies, contracts, and plans, and coverage and premiums:   a. Any items or services, including prescription drugs, that have a coinsurance requirement where the cost-sharing required depends on the cost of the item or service.   b. The specific prescription drugs available on the carrier’s formulary, the specific prescription drugs covered when furnished by a physician or clinic, and any clinical prerequisites or prior authorization requirements for coverage of the drugs.   c. How medications will specifically be included in or excluded from the deductible, including a description of all out-of-pocket costs that may not apply to the deductible for a prescription drug.   2. A carrier that provides a summary of benefits and coverage to its enrollees in accordance with  26 C.F.R. §54.9815-2715  ,  29 C.F.R. §2590.715-2715  , and  45 C.F.R. §147.200   is deemed to be in compliance with this section unless the commissioner of insurance determines that these federal regulations, or the successors to any of these federal regulations, fail to require the information required pursuant to this section in a clear and understandable form.  2016 Acts, ch 1122, §6, 14  Section is applicable to health insurance policies, contracts, or plans that are delivered, issued for delivery, continued, or renewed on or after January 1, 2017;  2016 Acts, ch 1122, §14
IA Code § 514L.1 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 514L - UNIFORM PRESCRIPTION DRUG INFORMATION CARD|Section 514L.1 - Definitions.

514L.1 Definitions.   As used in this chapter, unless the context otherwise requires:   1. “Guide” means the most recent national council for prescription drug programs pharmacy identification card implementation guide, or its successor.   2. “Prescription drug” means prescription drug as defined in section 155A.3 and includes a device as defined in section 155A.3.   3. “Provider of third-party payment or prepayment of prescription drug expenses” or “provider” means a provider of an individual or group policy of accident or health insurance or an individual or group hospital or health care service contract issued pursuant to chapter 509, 514, or 514A, a provider of a plan established pursuant to chapter 509A for public employees, a provider of an individual or group health maintenance organization contract issued and regulated under chapter 514B, a provider of a preferred provider contract issued pursuant to chapter 514F, a provider of a self-insured multiple employer welfare arrangement, and any other entity providing health insurance or health benefits which provide for payment or prepayment of prescription drug expenses coverage subject to state insurance regulation.  2001 Acts, ch 77, §1; 2017 Acts, ch 148, §97
IA Code § 514L.3 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 514L - UNIFORM PRESCRIPTION DRUG INFORMATION CARD|Section 514L.3 - Application — enforcement.

514L.3 Application — enforcement.   1. A health insurance or health benefits policy or contract issued and delivered, amended, or renewed on or after July 1, 2003, shall comply with this chapter.   2. The commissioner of insurance shall enforce this chapter and shall adopt rules necessary to implement this chapter.  2001 Acts, ch 77, §3
IA Code § 515.1 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.1 - Applicability.

515.1 Applicability.   Corporations formed for the purpose of insurance, other than life insurance, shall be governed by the provisions of chapter 490, chapter 491, or chapter 504, except as modified by the provisions of this chapter. The provisions of this chapter relative to insurance companies shall apply to all such companies, partnerships, associations, or individuals, except those associations governed by the provisions of chapter 518 or 518A, companies governed by the provisions of chapter 508 or 514, societies governed by the provisions of chapter 512B, and organizations governed by the provisions of chapter 514B, whether incorporated or not.  [C73, §1122; C97, §1684; C24, 27, 31, 35, 39, §8896; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §515.1]  85 Acts, ch 239, §5; 89 Acts, ch 288, §192; 2004 Acts, ch 1049, §191; 2004 Acts, ch 1175, §393; 2008 Acts, ch 1074, §3  Referred to in §515.10
IA Code § 515.2 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.2 - Articles — approval — bylaws.

515.2 Articles — approval — bylaws.   The articles of incorporation, and any subsequent amendments, of an organization shall be filed with and approved by the commissioner of insurance before filing with the secretary of state. An organization shall file with the commissioner bylaws and subsequent amendments to the bylaws within thirty days of adoption of the bylaws and amendments.  [C73, §1122; C97, §1685; C24, 27, 31, 35, 39, §8897; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §515.2]  2000 Acts, ch 1023, §27; 2009 Acts, ch 145, §22  Referred to in §515.10
IA Code § 515.3 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.3 - Certificate — recording.

515.3 Certificate — recording.   If the commissioner of insurance approves them, the commissioner shall so certify, and the articles with the certificates of approval shall be recorded in the office of the secretary of state as articles of other corporations are, who shall endorse thereon the secretary of state’s certificate thereof, as is required in case of other corporations for pecuniary profit.  [C73, §1123; C97, §1686; C24, 27, 31, 35, 39, §8898; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §515.3]  Recording, §491.5
IA Code § 515.4 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.4 - Name.

515.4 Name.   If the commissioner of insurance finds the name of the company to be so similar to one already appropriated by a corporation of the same character as to be likely to mislead the public or to cause inconvenience, the commissioner shall refuse the commissioner’s certificate to its articles on that ground.  [C73, §1122; C97, §1687; C24, 27, 31, 35, 39, §8899; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §515.4]
IA Code § 515.5 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.5 - Filing with commissioner.

515.5 Filing with commissioner.   The articles, when thus certified by the secretary of state as recorded in the secretary of state’s office, or a copy thereof certified by the secretary of state as such, shall be filed in the office of the commissioner of insurance and remain therein.  [C73, §1123; C97, §1688; C24, 27, 31, 35, 39, §8900; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §515.5]
IA Code § 515.7 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.7 - Stock and mutual plan distinguished.

515.7 Stock and mutual plan distinguished.   No company shall be organized to do business upon both stock and mutual plans; nor shall a company organized as a stock company do business upon the plan of a mutual company; nor shall a company organized upon the mutual plan do business or take risks upon the stock plan.  [C73, §1159; C97, §1690; C24, 27, 31, 35, 39, §8902; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §515.7]
IA Code § 515.8 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.8 - Paid-up capital and surplus required.

515.8 Paid-up capital and surplus required.   1. An insurance company other than a life insurance company shall not be incorporated to transact business upon the stock plan with less than five million dollars of capital and surplus, the entire amount of which shall be fully paid up in cash and invested as provided by law. An insurance company other than a life insurance company shall not increase its capital stock unless the amount of the increase is fully paid up in cash. An insurance company authorized to do business in Iowa that undergoes a change of control as defined under chapter 521A shall maintain the minimum capital and surplus requirements mandated by this section.   2. Notwithstanding subsection 1, an insurance company, other than a life insurance company, authorized to transact business under this chapter shall comply with the minimum capital requirements of this section or chapter 521E, whichever is greater.  [C73, §1124; C97, §1691; S13, §1783-e; C24, 27, 31, 35, 39, §8903; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §515.8]  90 Acts, ch 1234, §33; 95 Acts, ch 185, §19; 96 Acts, ch 1046, §3; 98 Acts, ch 1057, §9  Referred to in §511.23, 515C.2
IA Code § 515.9 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.9 - Reduction of capital or shares.

515.9 Reduction of capital or shares.   Any insurance company, other than life, may, upon the vote of a majority of its shares of stock represented at a meeting legally called for that purpose, reduce its capital stock and the number of shares thereof or the par value of the shares thereof, provided that the total amount of capital shall not be reduced to an amount less than the minimum required by law, but no part of its assets and property shall be distributed to its stockholders without the consent of the insurance commissioner.  [C27, 31, 35, §8903-b1; C39, §8903.1; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §515.9]  Referred to in §511.23
IA Code § 515.10 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.10 - Subscriptions of stock — applications.

515.10 Subscriptions of stock — applications.   After compliance by the incorporators with sections 515.1 and 515.2, the secretary of state shall certify the articles of incorporation to the commissioner of insurance. When the commissioner of insurance is satisfied that all provisions of law in relation to the promotion and organization of the corporation, including sections 506.4 through 506.6, have been complied with, the commissioner shall issue a certificate to that effect. The corporation may then open books for subscriptions to the stock of stock companies or, if a mutual company, take applications and receive premiums for insurance at such times and places as it may find convenient. The corporation may keep such books open until the full amount required is subscribed or taken, or the time granted therefor has expired, or until an order is issued by the commissioner of insurance to desist for failure to comply with the provisions of law in reference thereto.  [C73, §1125; C97, §1694; C24, 27, 31, 35, 39, §8917; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §515.25]  2007 Acts, ch 152, §2  CS2007, §515.10  2020 Acts, ch 1063, §286  Referred to in §511.23  Section amended
IA Code § 515.11 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.11 - Prohibited loans.

515.11 Prohibited loans. Transferred to §515.23; 2015 Acts, ch 128, §52.
IA Code § 515.11A (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.11A - Transfer of stock.

515.11A Transfer of stock.   Transfers of stock made by any stockholder or the stockholder’s legal representative shall be subject to the provisions of chapters 491 and 492 relative to transfer of shares, and to such restrictions as the directors shall establish in their bylaws, except as hereinafter provided.  2008 Acts, ch 1074, §4
IA Code § 515.12 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.12 - Mutual companies — conditions.

515.12 Mutual companies — conditions.   No mutual company shall issue policies or transact any business of insurance unless it shall hold a certificate of authority from the commissioner of insurance authorizing the transaction of such business, which certificate of authority shall not be issued until and unless the company shall comply with the following conditions:   1. It shall hold bona fide applications for insurance upon which it shall issue simultaneously, or it shall have in force, at least two hundred policies issued to at least two hundred members for the same kind of insurance upon not less than two hundred separate risks, each within the maximum single risk described herein; provided that not more than one hundred members shall be required for employer’s liability and workers’ compensation insurance.   2. The maximum single risk shall not exceed twenty percent of the admitted assets, or three times the average risk, or one percent of the insurance in force, whichever is the greater, any reinsurance taking effect simultaneously with the policy being deducted in determining such maximum single risk.   3. It shall have collected a premium upon each application, which premium shall be held in cash or securities in which insurance companies are authorized to invest, which shall be equal, in case of fire insurance, to not less than twice the maximum single risk assumed subject to one fire nor less than ten thousand dollars; and in any other kind of insurance, to not less than five times the maximum single risk assumed; and, in case of employer’s liability and workers’ compensation insurance, to not less than fifty thousand dollars.   4. For the purpose of transacting employer’s liability and workers’ compensation insurance, the applications shall cover not less than one thousand five hundred employees, each such employee being considered a separate risk for determining the maximum single risk.   5. a. The mutual company shall have in cash or in securities in which insurance companies are authorized to invest, surplus in an amount not less than five million dollars. The surplus so required may be advanced in accordance with section 515.19. A mutual company authorized to do business in Iowa that undergoes a change of control as defined under chapter 521A shall maintain the minimum surplus requirements mandated by this section.   b. However, the surplus requirements do not apply to a company which establishes and maintains a guaranty fund as provided by section 515.20.  [C73, §1124; C97, §1692; C24, 27, 31, 35, 39, §8906; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §515.12]  90 Acts, ch 1234, §36; 95 Acts, ch 185, §21; 2012 Acts, ch 1023, §157  Referred to in §515.12A, 515.13
IA Code § 515.12A (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.12A - Alternative minimum surplus levels.

515.12A Alternative minimum surplus levels.   A mutual company authorized to transact business under this chapter shall comply with the minimum surplus requirements of section 515.12 or chapter 521E, whichever is greater.  96 Acts, ch 1046, §7
IA Code § 515.13 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.13 - Reservation.

515.13 Reservation.   None of the provisions of section 515.12, subsection 5, shall apply to any company heretofore organized and approved by the commissioner of insurance, but which had not completed its organization on May 28, 1937, nor shall section 515.12, subsection 5, apply to any company already licensed to issue policies.  [C39, §8906.1; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §515.13]  2013 Acts, ch 30, §126
IA Code § 515.14 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.14 - Membership in mutuals.

515.14 Membership in mutuals.   Any public or private corporation, board, or association in this state, or elsewhere, may make applications, enter into agreements for and hold policies in any such mutual insurance company. Any officer, stockholder, trustee, or local representative of any such corporation, board, association, or estate may be recognized as acting for, or on its behalf for the purpose of such membership, but shall not be personally liable upon such contract of insurance by reason of acting in such representative capacity. The right of any corporation organized under the laws of this state to participate as a member of any such mutual insurance company is hereby declared to be incidental to the purpose for which such corporation is organized and as much granted as the rights and powers expressly conferred.  [C73, §1124; C97, §1693; C24, 27, 31, 35, 39, §8907; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §515.14]
IA Code § 515.15 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.15 - Voting power.

515.15 Voting power.   Every policyholder of such mutual company shall be a member of the company and shall be entitled to one vote, and such member may vote in person or by proxy as may be provided in the bylaws.  [C24, 27, 31, 35, 39, §8908; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §515.15]
IA Code § 515.16 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.16 - Maximum premium.

515.16 Maximum premium.   The maximum premium payable by any member of a mutual company shall be expressed in the policy and in the application for the insurance. Such maximum may be a cash premium and an additional contingent premium not less than the cash premium, or may be solely a cash premium, which premium may be made payable in installments or regular assessments. No policy shall be issued for a cash premium without an additional contingent premium unless the company has a surplus which is not less in amount than the capital stock required, at the time of the organization of such mutual insurance company, of domestic stock insurance companies writing the same kind of insurance; but said surplus shall not be less than one hundred thousand dollars.  [C24, 27, 31, 35, 39, §8909; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §515.16]
IA Code § 515.17 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.17 - Unearned premiums.

515.17 Unearned premiums.   Such mutual company shall maintain unearned premium and other reserves separately for each kind of insurance, upon the same basis as that required of domestic insurance companies transacting the same kind of insurance; provided that any reserve for losses or claims based upon the premium income shall be computed upon the net premium income, after deducting any so-called dividend or premium returned or credited to the member.  [C24, 27, 31, 35, 39, §8910; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §515.17]
IA Code § 515.18 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.18 - Assessments.

515.18 Assessments.   Any such mutual company not possessed of assets at least equal to the unearned premium reserve and other liabilities shall make an assessment upon its members liable to assessment to provide for such deficiency, such assessment to be against each member in proportion to such liability as expressed in the member’s policy; provided the commissioner may by written order, relieve the company from an assessment or other proceedings to restore such assets during the time fixed in such order.  [C24, 27, 31, 35, 39, §8911; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §515.18]  Referred to in §515.20
IA Code § 515.19 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.19 - Advancement of funds.

515.19 Advancement of funds.   Any director, officer, or member of any such mutual company, or any other person, may advance to such company, any sum or sums of money necessary for the purpose of its business, or to enable it to comply with any of the requirements of the law, and such moneys and such interest thereon as may have been agreed upon, not exceeding the maximum statutory rate of interest, shall not be a liability or claim against the company or any of its assets, except as provided in this chapter, and upon approval of the commissioner of insurance may be repaid, but only out of the surplus earnings of such company. No commission or promotion expenses shall be paid in connection with the advance of any such money to the company. The amount of such advance shall be reported in each annual statement.  [C24, 27, 31, 35, 39, §8912; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §515.19]  2013 Acts, ch 90, §156; 2020 Acts, ch 1063, §287  Referred to in §515.12, 515.20  Section amended
IA Code § 515.21 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.21 - Additional policy provisions.

515.21 Additional policy provisions.   Such mutual company may insert in any form of policy prescribed by the law of this state any additional provisions or conditions required by its plan of insurance if not inconsistent or in conflict with any law of this state.  [C24, 27, 31, 35, 39, §8913; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §515.21]
IA Code § 515.22 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.22 - Countersigning policies.

515.22 Countersigning policies. Repealed by 98 Acts, ch 1057, §13.
IA Code § 515.23 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.23 - Prohibited loans.

515.23 Prohibited loans.   Capital, surplus, funds, or other assets, or any part of any or all of the foregoing, shall not be directly or indirectly loaned to an officer, director, stockholder, or employee of a company or to a relative of an officer or director of a company.  [S13, §1783-e; C24, 27, 31, 35, 39, §8905; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §515.11]  88 Acts, ch 1112, §401; 90 Acts, ch 1234, §35; 2015 Acts, ch 128, §50 – 52  C2016, §515.23  Referred to in §511.23
IA Code § 515.24 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.24 - Tax — computation.

515.24 Tax — computation.   For the purpose of determining the basis of any tax upon the gross amount of premiums, or gross receipts from premiums, assessments, fees, and promissory obligations, now or hereafter imposed upon any fire or casualty insurance company under any law of this state, such gross amount or gross receipts shall consist of the gross written premiums or receipts for direct insurance, without including or deducting any amounts received or paid for reinsurance except that any company reinsuring windstorm or hail risks written by county mutual insurance associations shall be required to pay as a tax the applicable percent provided in section 432.1, calculated upon the gross amount of reinsurance premiums received upon such risks, but with such other deductions as provided by law, and in addition deducting any so-called dividend or return of savings or gains to policyholders; provided that as to any deposits or deposit premiums received by any such company, the taxable premiums shall be the portion of such deposits or deposit premiums earned during the year with such deductions therefrom as provided by law.  [C24, 27, 31, 35, 39, §8916; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §515.24]  2002 Acts, ch 1119, §181; 2006 Acts, ch 1117, §66; 2017 Acts, ch 54, §60