reglab/statecodes huggingface dataset:
2023 Alaska Statutes › Title 21. Insurance › Chapter 54. Health Insurance › Article 2. Health Care Insurance Provisions, Requirements, and Restrictions. › Sec. 21.54.160. “Excepted benefits” defined.

“Excepted benefits” means benefits under one or more or any combination of the following:
(1) benefits under
(A) coverage only for accident, disability income insurance, or both;
(B) coverage issued as a supplement to liability insurance;
(C) liability insurance, including general liability insurance and automobile liability insurance;
(D) workers' compensation or substantially similar insurance;
(E) automobile medical payment insurance;
(F) credit-only insurance;
(G) coverage for on-site medical clinics; or
(H) other similar insurance coverage, as specified in federal law, under which benefits for medical care are secondary or incidental to other insurance benefits;
(2) if offered as a separate insurance policy and otherwise not an integral part of a health care insurance plan, benefits under
(A) limited scope dental or vision coverage;
(B) coverage for long-term care, nursing home care, home health care, community-based care, or any combination; or
(C) other similar limited benefits as specified in federal law;
(3) if offered as independent noncoordinated benefits, benefits under coverage only for a specified disease or illness, or hospital indemnity or other fixed indemnity insurance; as used in this paragraph, “independent, noncoordinated benefits” means benefits that are provided under a separate policy if
(A) there is no coordination between the provision of the benefits and an exclusion of benefits under a health care insurance plan maintained by the same plan sponsor; and
(B) the benefits are paid with respect to an event without regard to whether benefits are provided for the event under a health care insurance plan maintained by the same plan sponsor;
(4) if offered as a separate insurance policy, benefits under
(A) Medicare supplemental policy as defined in 42 U.S.C. 1395ss(g)(1) (Social Security Act);
(B) coverage supplemental to the coverage provided under 10 U.S.C. 1071 - 1090; or
(C) similar supplemental coverage provided to coverage under a health benefit plan.
2023 Alaska Statutes › Title 21. Insurance › Chapter 54. Health Insurance › Article 2. Health Care Insurance Provisions, Requirements, and Restrictions. › Sec. 21.54.170. Determination of size of employer.

The determination of whether an employer is a large or small employer is subject to the following:
(1) the size of an employer that was not in existence throughout the preceding calendar year must be based on the average number of employees that the employer is reasonably expected to employ on the business days in the current calendar year;
(2) all persons treated as a single employer under 26 U.S.C. 414(b), (c), (m), or (o) must be treated as one employer; and
(3) a reference to a large or small employer includes by reference any predecessor of that employer.
2023 Alaska Statutes › Title 21. Insurance › Chapter 55. State Health Insurance › Article 1. Comprehensive Health Insurance Association. › Sec. 21.55.010. Creation; membership; information from members.

(a) There is established a nonprofit incorporated legal entity to be known as the Comprehensive Health Insurance Association. Membership consists of all licensed hospital or medical service corporations in the state that offer subscriber contracts for major medical coverage, all health maintenance organizations or other managed care arrangements approved by the director, all licensed self-funded multiple employer welfare arrangements in the state, and all insurers licensed to transact health insurance in the state that offer policies for major medical coverage on an expense incurred basis. All members shall maintain membership in the association as a condition of doing health insurance business, or being able to offer subscriber contracts or enrollment in a health maintenance organization, self-funded multiple employer welfare arrangement, or managed care arrangement in the state.
(b) A member shall submit reports and provide information required by the board or the director to implement this chapter as a condition of transacting business in the state.
2023 Alaska Statutes › Title 21. Insurance › Chapter 55. State Health Insurance › Article 1. Comprehensive Health Insurance Association. › Sec. 21.55.020. Board of directors; organization.

(a) The board of directors of the association consists of seven individuals. Five board members shall be selected by association members, subject to approval by the director of the division of insurance, and two board members shall be consumers selected by the director of the division of insurance. The director or the director's designee is a nonvoting ex officio member of the board. A member of the board serves for a term of three years and may be reappointed to an unlimited number of terms. The term of a board member shall continue until a successor is appointed.
(b) In approving members of the board, the director shall consider, among other things, whether all types of association members are fairly represented.
(c) In determining voting rights at association meetings, an association member is entitled to vote in person or by proxy. The vote shall be a weighted vote based on the association member's share of assessments as determined under AS 21.55.220.
(d) At board meetings, a board member is entitled to one vote in person or by proxy.
(e) A member of the board may be reimbursed from the association for expenses incurred as a result of board activities, but may not otherwise be compensated for services by the association. The costs of conducting meetings of the association and its board of directors shall be the responsibility of the members of the association.
(f) The board shall study and prepare a report at least once every three years on the effectiveness of this chapter. The report must include an analysis of the effectiveness of this chapter in promoting rate stability, product availability, and affordability of coverage. The report may contain recommendations for legislative or other regulatory action. The board shall notify the legislature that the report is available.
(g) In this section, “board” means the board of directors of the association.
2023 Alaska Statutes › Title 21. Insurance › Chapter 55. State Health Insurance › Article 1. Comprehensive Health Insurance Association. › Sec. 21.55.030. General powers.

The association may
(1) exercise the powers granted to insurers under the laws of the state;
(2) sue or be sued;
(3) enter into contracts with insurers, similar associations in other states, or with other persons for the performance of administrative functions;
(4) establish administrative and accounting procedures for the operation of the association; and
(5) receive funds from sources other than members of the association.
2023 Alaska Statutes › Title 21. Insurance › Chapter 55. State Health Insurance › Article 1. Comprehensive Health Insurance Association. › Sec. 21.55.040. Plan of operation.

(a) The association shall submit to the director a plan of operation and amendments necessary or suitable to assure the fair, reasonable, and equitable administration of the association. The plan of operation and amendments become effective upon approval in writing by the director. If the association fails to submit a suitable plan of operation by December 22, 1992, or if at subsequent time the association fails to submit suitable amendments to the plan, the director may, after notice and hearing, adopt reasonable regulations necessary or advisable to effectuate the provisions of this chapter. These regulations shall continue in force until modified by the director or superseded by a plan submitted by the association and approved by the director.
(b) All members of the association shall comply with the plan of operation.
(c) The plan of operation shall
(1) establish procedures whereby all the powers and duties of the association under this chapter will be performed;
(2) establish procedures for handling assets of the association;
(3) establish the amount and method of reimbursing members of the board of directors under AS 21.55.020;
(4) establish regular places and times for meetings of the board of directors;
(5) establish procedures for records to be kept of all financial transactions of the association, its agents, and the board of directors;
(6) provide that a member insurer aggrieved by a final action or decision of the association may appeal to the director within 30 days after the action or decision;
(7) establish procedures whereby selections for the board of directors will be submitted to the director;
(8) contain additional provisions necessary or proper for the execution of the powers and duties of the association.
2023 Alaska Statutes › Title 21. Insurance › Chapter 55. State Health Insurance › Article 2. State Health Insurance Plans. › Sec. 21.55.100. Types of insurance plans.

(a) The association shall make available to a person who is eligible for coverage under this chapter at least one individual state plan of health insurance. The association shall offer a plan with the deductible, copayment, and calendar year maximum limits as described in AS 21.55.120 and may offer additional deductible, copayment, and calendar year maximum limits as approved by the director.
(b) The association may make available to residents who are high risks, eligible for and covered by Medicare, 65 years of age or older, and eligible under this chapter one or more Medicare supplement plans that meet the minimum policy standards and minimum benefit standards established by regulations adopted by the director under AS 21.96.060.
(c) The association may not refuse to offer coverage under a state plan to a person who is eligible under this chapter. The association may not refuse coverage under a state plan to a person who is eligible under this chapter, applies for coverage, and pays the required premium.
(d) The association may make available to a person eligible under this chapter coverage through a health maintenance organization or other managed care arrangement if approved by the director. Deductible, copayment, and calendar year maximum limits provided through an organization or arrangement are not subject to the limits described in AS 21.55.120, but the limits must be approved by the director.
2023 Alaska Statutes › Title 21. Insurance › Chapter 55. State Health Insurance › Article 2. State Health Insurance Plans. › Sec. 21.55.120. Deductibles and copayments.

(a) A state plan other than a Medicare supplement plan may require a deductible of not less than $500 a person as determined by the board and approved by the director. The amount of the deductible may not be greater when a service is rendered on an outpatient basis than when that service is offered on an inpatient basis. Expenses incurred during the last three months of a calendar year and actually applied to an individual's deductible for that year shall also be applied to that individual's deductible in the following calendar year.
(b) A state plan other than a Medicare supplement plan shall require a maximum copayment of 20 percent for charges for all types of health care in excess of the deductible and 50 percent for services described in AS 21.55.110(3) in excess of the deductible.
(c) The sum of the deductible and copayments required in any calendar year under a plan may not exceed a maximum limit of $1,500 plus the deductible. Covered expenses incurred after the applicable maximum limit has been reached shall be paid at the rate of 100 percent of usual, customary, reasonable, or prevailing charges, except that expenses incurred for treatment of mental and nervous conditions shall be paid at the rate of 50 percent.
(d) [Repealed, § 24 ch 31 SLA 1999.]
(e) [Repealed, § 24 ch 31 SLA 1999.]
2023 Alaska Statutes › Title 21. Insurance › Chapter 55. State Health Insurance › Article 2. State Health Insurance Plans. › Sec. 21.55.130. Preexisting conditions.

(a) A preexisting condition exclusion in a state plan may not exclude coverage of a preexisting condition unless
(1) the condition first manifested itself within the period of three months immediately before the effective date of coverage in a manner that would cause a reasonably prudent person to seek diagnosis, care, or treatment; or
(2) medical advice or treatment was recommended or received within the period of three months immediately before the effective date of coverage.
(b) A policy may not exclude coverage for a loss due to preexisting conditions for a period greater than six months following the effective date of coverage.
(c) A state plan issued to a person whose previous subscriber contract, health policy, or Medicare supplement policy was involuntarily terminated shall credit the time covered under the previous contract or policy toward an exclusion for preexisting conditions under the state plan if the previous contract or policy had a similar preexisting condition exclusion and the person applies for a state plan within 31 days after termination of the previous contract or policy. If a person covered by this subsection is accepted by the plan administrator and pays a specified premium for retroactive coverage, the state plan is effective retroactively to the date that the person's previous contract or policy terminated.
(d) A state plan issued to a federally defined eligible individual may not impose a preexisting condition exclusion.
(e) A state plan issued to a qualified TAA eligible individual may not impose a preexisting condition exclusion.
2023 Alaska Statutes › Title 21. Insurance › Chapter 55. State Health Insurance › Article 2. State Health Insurance Plans. › Sec. 21.55.140. Care and services not covered.

(a) A state plan may not provide benefits for charges for the following:
(1) care for an injury or disease either
(A) arising out of and in the course of an employment subject to a workers' compensation or similar law or where the benefit is available to be provided under a workers' compensation policy or equivalent self-insurance to a sole proprietor, business partner, or corporation officer; or
(B) to the extent benefits are payable without regard to fault under a coverage statutorily required to be contained in a motor vehicle or other liability insurance policy or equivalent self-insurance;
(2) treatment for cosmetic purposes other than surgery for the prompt repair of an accidental injury sustained while covered or for replacement of an anatomic structure removed during treatment of tumors;
(3) travel, other than transportation covered under AS 21.55.110(17);
(4) private room accommodations to the extent it is in excess of the institution's most common charge for a semiprivate room;
(5) services or articles to the extent that the charge exceeds the reasonable charge in the locality for the service;
(6) services or articles that are determined not to be medically necessary, except for the fabrication or placement of the prosthesis as specified in AS 21.55.110(12) and (2) of this subsection;
(7) services or articles that are not within the scope of the license or certificate of the institution or individual rendering the services or articles;
(8) services or articles furnished, paid for, or reimbursed directly by or under any law of a government, except as otherwise provided in this chapter;
(9) services or articles for custodial care or designed primarily to assist an individual in the activities of daily living;
(10) service charges that would not have been made if no insurance existed or that the covered individual is not legally obligated to pay;
(11) eyeglasses, contact lenses, or hearing aids or the fitting of them;
(12) dental care not specifically covered by this chapter;
(13) services of a registered nurse who ordinarily resides in the covered individual's home, or who is a member of the covered individual's family or the family of the covered individual's spouse;
(14) experimental procedures, except during an approved clinical trial; in this paragraph, “approved clinical trial” has the meaning given in AS 21.42.415; and
(15) services and supplies for which the patient was not charged.
(b) [Repealed, § 8 ch 102 SLA 2003.]
2023 Alaska Statutes › Title 21. Insurance › Chapter 55. State Health Insurance › Article 2. State Health Insurance Plans. › Sec. 21.55.150. State plan premiums.

(a) The association may not charge a rate for coverage issued by or through the association that is unfairly discriminatory. The board shall submit premium rates to the director for approval before use.
(b) The association may use separate scales of premium rates based on age and geographic location of the insured. The association may use separate scales of premium rates based on other factors, including use or nonuse of tobacco, if approved by the director.
(c) The board shall determine standard risk premium rates by considering the premium rates charged by members of the association offering, to residents of the state, health insurance benefits substantially equivalent to benefits under the state plan. The premium for a state plan may not exceed 150 percent of the standard risk premium rates determined by the board.
2023 Alaska Statutes › Title 21. Insurance › Chapter 55. State Health Insurance › Article 3. Administration of Plans. › Sec. 21.55.200. Selection of a plan administrator.

The board shall develop bid specifications and select a plan administrator through a competitive bidding process. The selection of the plan administrator shall be based upon criteria including the plan administrator's proven ability to handle health insurance coverage for individuals, efficient claim paying capacity, the estimate of total charges for administering the plan, the plan administrator's ability to apply effective cost containment programs and procedures and to administer the plan in a cost efficient manner, and the financial condition and stability of the plan administrator.
2023 Alaska Statutes › Title 21. Insurance › Chapter 55. State Health Insurance › Article 3. Administration of Plans. › Sec. 21.55.210. Duties of plan administrator.

(a) The plan administrator shall perform the administrative and claims payment functions required by this section. The plan administrator shall provide these services for a period specified in the contract between the association and the plan administrator subject to the terms, conditions, and limitations of the contract between the association and the plan administrator. At least six months before the expiration of each contract period, the board shall invite eligible entities, including the plan administrator, to submit bids to serve as the plan administrator. The board shall follow the provisions of this subsection in selecting a plan administrator for the subsequent contract period.
(b) The plan administrator shall provide to all eligible persons enrolled in a state plan an individual policy setting out a statement of the insurance protection to which the person is entitled, with whom claims are to be filed, and to whom benefits are payable. The policy must indicate that coverage was obtained through the association.
(c) The plan administrator shall submit to the board and the director on a regular basis a report on the operation of the state plans. The board shall determine the specific information to be contained in the report and that information shall be specified in the contract between the association and the plan administrator.
(d) The plan administrator shall pay claims and shall indicate when a claim is paid under a state plan. A claim payment must include a telephone number that can be used for inquiries regarding the claim.
(e) The plan administrator shall
(1) be reimbursed from the state plan receipts for services rendered in connection with administering the plan; and
(2) at all times when carrying out its duties under this chapter be considered an agent of the association.
2023 Alaska Statutes › Title 21. Insurance › Chapter 55. State Health Insurance › Article 4. Enrollment in the State Health Insurance Plan. › Sec. 21.55.300. Eligibility for state health insurance.

(a) Except as provided in this section, a state resident who is a high risk, a TAA eligible individual, or a federally defined eligible individual is eligible to enroll in a state plan described in AS 21.55.100.
(b) Except for a federally defined eligible individual or TAA eligible individual, a person may not be covered by the state plan
(1) while covered by another health insurance policy or subscriber contract; or
(2) if the person is eligible to be covered
(A) by a plan subject to the requirements of AS 21.56.110 - 21.56.250;
(B) under another state or federal law, including veterans' benefits, Native health care, or Medicaid, but not including Medicare; or
(C) under another health benefit program, including self-insurance plan, health care trust, or welfare trust.
(c) Upon ceasing to be a resident, a person is not eligible to purchase or renew coverage under a state plan, but previously purchased coverage remains in effect for the period covered by payments made while a resident.
(d) Additional eligibility requirements for enrollment in a state plan may be imposed if approved by the director.
2023 Alaska Statutes › Title 21. Insurance › Chapter 55. State Health Insurance › Article 4. Enrollment in the State Health Insurance Plan. › Sec. 21.55.310. Enrollment by an eligible person.

A person may enroll in a state plan by applying to the plan administrator. The application must include the following:
(1) name, address, age, and length of residency of the applicant;
(2) a designation of the plan desired, including deductible option chosen;
(3) information relevant to whether the person is a high risk or a federally defined eligible individual; and
(4) payment of the first premium.
2023 Alaska Statutes › Title 21. Insurance › Chapter 55. State Health Insurance › Article 4. Enrollment in the State Health Insurance Plan. › Sec. 21.55.320. Plan administrator's response.

(a) Within 30 days after receiving the application described in AS 21.55.310, the plan administrator shall
(1) provide the applicant with either a notice of rejection for failing to comply with the requirements of AS 21.55.300 and 21.55.310 or a notice of acceptance; and
(2) for a TAA eligible individual, send a notice to the director specifying the name, address, social security number, and effective date of coverage.
(b) When a person with a disability that is covered under 42 U.S.C. 1395 - 1395b-10 (Title XVIII of the Social Security Act) is referred by an insurer to a state plan under AS 21.55.310, the plan administrator shall request that the Department of Health provide information to the person about applying for the federal benefits.
2023 Alaska Statutes › Title 21. Insurance › Chapter 55. State Health Insurance › Article 4. Enrollment in the State Health Insurance Plan. › Sec. 21.55.330. Effective date of policies.

(a) Except as provided in (b) of this section and AS 21.55.130(c), insurance under a state plan is effective immediately upon receipt of the first premium, and is retroactive to the date of the application, if the applicant otherwise complies with the requirements of this chapter.
(b) Insurance under a state plan is effective retroactively to the date that the person's previous contract or policy terminated if the person
(1) applies for a state plan within 60 days after the previous contract or policy terminated;
(2) is accepted by the plan administrator; and
(3) pays a specified premium for the period of retroactive coverage.
2023 Alaska Statutes › Title 21. Insurance › Chapter 55. State Health Insurance › Article 4. Enrollment in the State Health Insurance Plan. › Sec. 21.55.340. Solicitation of eligible persons.

(a) The association, under a plan approved by the director, shall disseminate appropriate information to the residents of the state regarding the existence of the state plans and the means of enrollment. Means of communication may include use of the press, radio, and television, as well as publication in appropriate state offices and publications.
(b) The association shall devise and implement means of maintaining public awareness of the provisions of this chapter regarding the state plans and shall administer this chapter in a manner that facilitates public participation in the state plans.
(c) A person may not sell or market a qualified state plan unless the person is acting within the scope of a license issued in this state.
(d) An insurer or hospital or medical service corporation that rejects or applies underwriting restrictions to an applicant for a subscriber contract, a health insurance policy, or a Medicare supplement plan in the state shall notify the applicant of the existence of the state plans, the requirements for being accepted, and the procedure for applying.
2023 Alaska Statutes › Title 21. Insurance › Chapter 55. State Health Insurance › Article 5. General Provisions. › Sec. 21.55.400. Duties of director.

The director may
(1) approve the selection of the plan administrator by the association and approve the association's contract with the plan administrator, including the coverages and premiums to be charged;
(2) contract with the federal government or another unit of government to ensure coordination of the state plans with other governmental assistance programs;
(3) undertake, directly or through contracts with other persons, studies or demonstration programs to develop awareness of the benefits of this chapter; and
(4) formulate general policy and adopt regulations that are reasonably necessary to administer this chapter, including regulations establishing a reinsurance program reinsuring residents who are high risks and specifying covered conditions eligible for payment through the reinsurance program.
2023 Alaska Statutes › Title 21. Insurance › Chapter 55. State Health Insurance › Article 5. General Provisions. › Sec. 21.55.430. Alaska comprehensive health insurance fund. [Repealed June 30, 2024.]

(a) The Alaska comprehensive health insurance fund is established in the general fund. The Department of Administration shall deposit interest earned on the Alaska comprehensive health insurance fund in the general fund.
(b) The legislature may use the annual estimated balance in the Alaska comprehensive health insurance fund to make appropriations to the Department of Commerce, Community, and Economic Development to fund the reinsurance program under this chapter.
(c) Payment for claims under the reinsurance program under this chapter is subject to appropriation.
(d) Money in the fund does not lapse.
(e) Nothing in this section creates a dedicated fund.
(f) [Repealed, § 3ch 46 SLA 2018.]
2023 Alaska Statutes › Title 21. Insurance › Chapter 56. Small Employer Health Insurance › Sec. 21.56.110. Applicability.

(a) A health care insurance plan offered, issued for delivery, delivered, or renewed to small employers in this state is subject to the provisions of this chapter, except as prohibited under federal law.
(b) [Repealed, § 115 ch 81 SLA 1997.]
(c) Except as provided in this subsection, for purposes of this chapter, insurers that are affiliated companies or that are eligible to file a consolidated tax return shall be treated as one insurer and a restriction or limitation imposed under this chapter shall apply as if all health care insurance plans delivered or issued for delivery to a small employer in this state by an affiliated insurer were issued by one insurer. An affiliated insurer that is a health maintenance organization having a certificate of authority under AS 21.86 may be considered to be a separate insurer for the purposes of this chapter.
(d) [Repealed, § 115 ch 81 SLA 1997.]
(e) The requirements of this chapter continue to apply with respect to coverage offered to a small employer until the plan anniversary following the date the employer no longer meets the definition of a “small employer” in AS 21.54.500.
2023 Alaska Statutes › Title 21. Insurance › Chapter 56. Small Employer Health Insurance › Sec. 21.56.160. Exemption from required offer of coverage.

(a) A small employer insurer offering health care insurance through a network plan is not required to offer or renew coverage or accept applications under AS 21.56.140(a) if
(1) the small employer does not have eligible employees or dependents who live, work, or reside in the service area for the network plan; or
(2) the small employer insurer demonstrates to the director that the small employer insurer
(A) will not have the capacity to deliver services adequately to eligible employees or dependents of additional groups because of the small employer insurer's obligation to existing group contract holders and covered employees or dependents; and
(B) applies this subsection uniformly without regard to the claims experience of the employers and their employees and dependents or to a health status factor relating to the employees and dependents.
(b) A small employer insurer offering health care insurance is not required to offer or accept applications under AS 21.56.140(a) if
(1) the small employer insurer is only maintaining in-force business and has ceased enrolling new employer groups on or before January 1, 1993; or
(2) the certificate of authority or bylaws of an insurer does not permit the insurer to issue coverage on a marketwide basis; however, an insurer described in this paragraph shall comply with AS 21.56.140 regarding small employers that meet the requirements of the insurer's certificate of authority or bylaws.
(c) A small employer insurer who denies health care insurance coverage in a service area under (a) of this section may not offer coverage in the small employer market within that service area for a period of 180 days after the date the coverage is denied.
(d) If a small employer insurer demonstrates or the director determines under AS 21.09.175 that a small employer insurer does not have the financial reserves necessary to underwrite additional coverage, the small employer insurer may not offer or renew health care insurance coverage in the small employer group market. The small employer insurer may not reenter the small employer group market until the director has determined that the insurer has sufficient financial reserves to underwrite additional coverage.
2023 Alaska Statutes › Title 21. Insurance › Chapter 56. Small Employer Health Insurance › Sec. 21.56.180. Fair marketing standards.

(a) A small employer insurer may not, directly or indirectly, enter into a contract, agreement, or arrangement with an insurance producer, a managing general agent, or a third-party administrator that provides for or results in the compensation paid to an insurance producer for the sale of a health care insurance plan to vary based on the health status, claims experience, industry, occupation, size, or geographic location of the small employer. This subsection does not apply to a compensation arrangement that provides compensation to an insurance producer, a managing general agent, or a third-party administrator on the basis of a percentage of premium that does not vary based on the health status, claims experience, industry, occupation, size, or geographic location of the small employer.
(b) A small employer insurer shall provide reasonable compensation, as provided under the plan of operation of the program, to an insurance producer, a managing general agent, or a third-party administrator, if any, for the sale of a basic or standard health care insurance plan.
(c) A small employer insurer, an insurance producer, a managing general agent, or a third-party administrator 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.
(d) A small employer insurer may only deny an application for coverage from a small employer in writing, and the writing must state the reasons for the denial.
(e) The director may establish by regulation additional standards to provide for the fair marketing of health care insurance plans to small employers in this state.
(f) A person who 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 care insurance plans to small employers in this state is subject to this section as if it were a small employer insurer.
(g) A violation of this section by a person is an unfair trade practice for purposes of AS 21.36.
2023 Alaska Statutes › Title 21. Insurance › Chapter 56. Small Employer Health Insurance › Sec. 21.56.190. Mandatory reissue of coverage.

The director may adopt regulations to require small employer insurers, as a condition of transacting business with small employers in this state after July 1, 1993, to reissue a health care insurance plan to a small employer who has had its health care insurance plan terminated or not renewed by the insurer after January 1, 1993. The director may prescribe the terms for the reissue of coverage that the director determines are reasonable and necessary to provide continuity of coverage to small employers.
2023 Alaska Statutes › Title 21. Insurance › Chapter 57. Consumer Credit Insurance › Sec. 21.57.020. Applicability.

Consumer credit insurance transacted in connection with a credit transaction for a personal, household, or family purpose is subject to the provisions of this chapter except
(1) insurance written in connection with a credit transaction that is
(A) secured by a first mortgage or first deed of trust; and
(B) made to finance the purchase of real property, the construction of a dwelling, or to refinance a prior credit transaction made for that purpose;
(2) an isolated insurance transaction by the insurer not related to an agreement or a plan for insuring debtors of the creditor;
(3) insurance for which no identifiable charge is made to the debtor; or
(4) a loan or other credit transaction that exceeds $30,000.
2023 Alaska Statutes › Title 21. Insurance › Chapter 57. Consumer Credit Insurance › Sec. 21.57.040. Amount of consumer credit insurance.

(a) The amount of coverage for credit life insurance payable at the time of loss
(1) may not exceed the greater of the actual net debt or the scheduled net debt, except insurance on an
(A) agricultural credit transaction commitment, not exceeding one year in duration, may be written up to the amount of the loan commitment on a nondecreasing or level term plan; and
(B) educational credit transaction commitment may be written for the net outstanding balance plus any unused commitment;
(2) may not be less than the actual net debt less any payments more than two months overdue if the coverage is written on the actual outstanding net debt;
(3) may not exceed the following if the coverage is written on the scheduled outstanding net debt:
(A) the scheduled net debt if the actual net debt is less than or equal to the scheduled net debt;
(B) the actual net debt if the actual net debt is greater than the scheduled net debt but less than or equal to the scheduled net debt plus two months of payments; or
(C) the scheduled net debt plus two months of payments if the actual net debt is greater than the scheduled net debt plus two months of payments;
(4) must equal the actual net debt on the date of death if a premium is assessed to the debtor on a monthly basis and is based on the actual net debt; and
(5) may be less than the net debt when the partial coverage is calculated using one of the following:
(A) the amount of insurance is the lesser of a stated amount and the amount is determined by (2) of this subsection;
(B) the amount of insurance is the lesser of a stated amount and the amount is determined by (3) of this subsection;
(C) the amount of insurance is a constant percentage of the amount determined by (2) or (3) of this subsection; or
(D) in the absence of any preexisting condition exclusion, the amount of insurance payable in the event of death due to natural causes is limited to the balance as it existed six months before the date of death if
(i) there has been at least one increase in the outstanding balance during that six-month period, other than an increase due to the accrual of interest or late charges; and
(ii) evidence of individual insurability has not been required during that six-month period.
(b) The director may provide for other patterns of insurance consistent with (a) of this section by regulation.
(c) The total amount of periodic indemnity payable in the event of disability or unemployment, as defined in the policy, may not exceed the sum of the periodic scheduled unpaid installments of the gross debt. The amount of a periodic indemnity payment may not exceed the original gross debt divided by the number of periodic installments.
(d) If credit disability insurance or credit unemployment insurance is written in connection with an open-end consumer credit agreement, the amount of insurance may not exceed the gross debt that would accrue on the amount using the creditor's minimum repayment schedule. The periodic indemnity need not relate to the creditor's minimum repayment schedule.
2023 Alaska Statutes › Title 21. Insurance › Chapter 57. Consumer Credit Insurance › Sec. 21.57.055. Disclosure to debtors.

(a) Before a debtor elects to purchase consumer credit insurance in connection with a credit transaction, the insurer shall disclose the following in writing to the debtor:
(1) the purchase of consumer credit insurance is optional and not a condition of obtaining credit approval;
(2) if more than one kind of consumer credit insurance is being made available to the debtor, whether the debtor can purchase the insurance separately or the multiple coverage only as a package;
(3) the conditions of eligibility;
(4) if the debtor has other insurance that covers the risk, the debtor may not want or need credit insurance;
(5) if the creditor requires insurance as additional security for a debt, the debtor has the option of furnishing the required amount of insurance through existing policies owned or procured by the debtor or of procuring and furnishing the required insurance through an insurer authorized to transact insurance business in this state;
(6) the effective date of the coverage;
(7) the debtor may cancel the coverage within the first 30 days after receiving the individual policy or group certificate and have a premium paid by the debtor refunded or credited; thereafter, the debtor may cancel the policy at any time during the term of the loan and receive a refund of unearned premium;
(8) a brief description of the coverage, including
(A) the amount;
(B) the term;
(C) any exceptions, limitations, or exclusions;
(D) the insured event;
(E) any waiting or elimination period;
(F) any deductible;
(G) any applicable waiver of premium provision;
(H) to whom the benefits would be paid; and
(I) the premium rate for a coverage or for multiple coverage in a package;
(9) if the premium or insurance charge is financed, it is subject to finance charges at the rate applicable to the credit transaction or at another specified rate; and
(10) whether or not the benefits provided are sufficient to pay off the debt existing on the date of death, disability, or unemployment.
(b) The disclosure required in (a) of this section shall be provided in the following manner:
(1) in connection with consumer credit insurance offered contemporaneously with the extension of credit or offered through direct mail advertisements, the disclosure shall be presented to the consumer in a clear and conspicuous manner; or
(2) in conjunction with the offer of credit insurance by telephone and contemporaneously with the extension of credit or subsequent to the extension of credit by other than direct mail advertisements, the initial disclosure may be provided orally as long as written disclosure is provided to the debtor not later than 10 days after the offer or the date any other written material is provided to the debtor, whichever occurs first.
(c) If the debtor elects to purchase coverage, the delivery of the disclosure required in (b) of this section shall be acknowledged by the debtor at the time of delivery, and the insurer shall maintain the debtor's written acknowledgement for at least five years.
2023 Alaska Statutes › Title 21. Insurance › Chapter 57. Consumer Credit Insurance › Sec. 21.57.060. Provisions of policies and certificates of insurance.

(a) Consumer credit insurance shall be evidenced by an individual policy or a group certificate of insurance.
(b) The individual policy or group certificate must, in addition to other requirements of law, set out
(1) the name and home office address of the insurer;
(2) the name of the debtor;
(3) the premium to be paid by the debtor disclosed separately for each kind of coverage or for all coverage in a package, except that, for open-ended loans, the premium rate and the basis of premium calculation must be specified;
(4) a full description of the coverage, including the amount, the term, and any exceptions, limitations, or exclusions;
(5) a statement that the benefits shall be paid to the creditor to reduce or extinguish the unpaid debt and that, whenever the amount of insurance benefit exceeds the unpaid debt, the excess is payable to the debtor, a beneficiary other than the creditor named by the debtor, or the debtor's estate;
(6) an explanation of how refunds are calculated in the event of policy termination; and
(7) if the benefit is not adequate to completely pay off the debt existing on the date of death, disability, or unemployment, a statement to that effect on the face of the individual policy or group certificate in not smaller than 10 point, bold face type.
2023 Alaska Statutes › Title 21. Insurance › Chapter 57. Consumer Credit Insurance › Sec. 21.57.090. Premiums and refunds.

(a) An insurer may revise its schedules of premium rates from time to time, and file the revised schedules with the director. An insurer may not issue a consumer credit insurance policy for which the premium rate differs from that determined by the schedules of the insurer then approved by the director.
(b) An individual policy or group certificate must provide for a refund of all unearned premiums if the insurance is terminated before the scheduled maturity date of the insurance and notice of termination is given to the insurer. The refund of an amount paid by the debtor for insurance shall be paid or credited promptly to the person entitled to it; provided, however, that the director shall prescribe a minimum refund and a refund that would be less than the minimum need not be made. A refund formula that an insurer desires to use must provide refunds that are at least as favorable to the debtor as refunds based on the rule of anticipation. The formula to be used in computing refunds shall be filed with and approved by the director.
(c) If a creditor requires a debtor to make a payment for consumer credit insurance and an individual policy or group certificate of insurance is not issued, the creditor shall immediately give written notice to the debtor and shall promptly make an appropriate credit to the account or issue a refund.
(d) The amount charged to a debtor for consumer credit insurance may not exceed the premium charged by the insurer, as computed at the time the charge to the debtor is determined.
(e) Nothing in this chapter may be construed to authorize a payment for insurance prohibited under other provisions of law governing credit transactions.
2023 Alaska Statutes › Title 21. Insurance › Chapter 57. Consumer Credit Insurance › Sec. 21.57.120. Selection rights of insured.

When consumer credit insurance is required as additional security for a debt, the debtor shall, upon request to the creditor, have the option of furnishing the required amount of insurance through existing policies of insurance owned or controlled by the debtor or of procuring and furnishing the required coverage through an insurer authorized to transact an insurance business in this state.
2023 Alaska Statutes › Title 21. Insurance › Chapter 57. Consumer Credit Insurance › Sec. 21.57.125. Duties of an insurer.

Except as otherwise prohibited by law, duties imposed upon an insurer by this chapter may be carried out by a creditor if the creditor is licensed under AS 21.27 as an insurance producer, a managing general agent, or a third-party administrator, and transacts business within the scope of its license on behalf of the insurer.
2023 Alaska Statutes › Title 21. Insurance › Chapter 57. Consumer Credit Insurance › Sec. 21.57.130. Enforcement.

The director may, after notice and hearing, adopt regulations considered appropriate for the implementation of this chapter. Whenever the director finds that there has been a violation of this chapter or regulations adopted under it, and after written notice thereof and hearing given to the insurer or other person authorized or licensed by the director, the director shall set out the details of the findings together with an order for compliance by a specified date. The order shall be binding on the insurer and other person authorized or licensed by the director on the date specified unless sooner withdrawn by the director or a stay has been ordered by a court of competent jurisdiction.
2023 Alaska Statutes › Title 21. Insurance › Chapter 57. Consumer Credit Insurance › Sec. 21.57.150. Penalties.

(a) In addition to any other penalty provided by law, a person licensed under AS 21.27 that the director determines under AS 21.06.170 - 21.06.240 has violated the provisions of this chapter is subject to
(1) a civil penalty equal to the compensation promised, paid, or to be paid, directly or indirectly, to the licensee in regard to a violation;
(2) either a civil penalty of not more than $10,000 for a violation or, if the director determines that the person wilfully violated the provisions of this chapter, a civil penalty of not more than $25,000 for a violation; and
(3) denial, nonrenewal, suspension, or revocation of a license.
(b) In addition to any other penalty provided by law, an insurer that the director determines under AS 21.06.170 - 21.06.240 has violated the provisions of this chapter is subject to
(1) a civil penalty equal to the premium earned, directly or indirectly, by the insurer in regard to a violation;
(2) either a civil penalty of not more than $10,000 for a violation or, if the director determines that the insurer wilfully violated the provisions of this chapter, a civil penalty of not more than $25,000 for a violation; and
(3) denial, suspension, or revocation of a certificate of authority.
(c) In addition to any other penalty provided by law, any person that the director determines under AS 21.06.170 - 21.06.240 has violated the provisions of this chapter is subject to
(1) either a civil penalty of not more than $10,000 for a violation or, if the director determines that the person wilfully violated the provisions of this chapter, a civil penalty of not more than $25,000 for a violation; and
(2) denial of a license.
2023 Alaska Statutes › Title 21. Insurance › Chapter 59. Motor Vehicle Service Corporations and Contracts › Article 1. Automobile Service Corporations. › Sec. 21.59.010. Applicability.

(a) AS 21.59.010 - 21.59.090 applies to a person, firm, corporation, or organization providing or intending to provide automobile service corporation services for subscribers in exchange for periodic prepayments by a subscriber.
(b) AS 21.59.010 - 21.59.090 does not apply to a person issued a certificate of authority under AS 21.09 or to a person issued a provider license under AS 21.59.110 - 21.59.290, but only to the extent the person is offering a motor vehicle service contract in this state.
(c) Other provisions of this title do not apply to an automobile service corporation except as expressly provided in AS 21.59.010 - 21.59.090.