Who Regulates Health Insurance? 
Health insurance is regulated by multiple governing bodies including , but not limited to : Department of Insurance -LRB- DOI -RRB- in each state Securities and Exchange Commission -LRB- SEC -RRB- , assuming the carrier is a public entity The Federal Government -LRB- ACA -RRB- Other organizations such as NAHU , AHIP and others do n't regulate , but strongly influence decisions . The majority of the regulation happens at the state level causing a different set of rules and regulations depending on where the plans are created & offered . 