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STATE OF MICHIGAN DEPARTMENT OF INSURANCE AND FINANCIAL SERVICES Bulletin 202414INS In the matter of: 2025 Form and Rate Filing Requirements for Medical Plans ___/ Issued and entered this 16th day

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What is form and rate filing?

Form and rate filing is the process by which insurance companies submit their proposed policy forms and premium rates to state regulators for approval before they can be used in the market.

Who is required to file form and rate filing?

Insurance companies and other entities offering insurance products in a particular state are required to file form and rate filings with the respective state insurance department.

How to fill out form and rate filing?

To fill out form and rate filing, insurers need to complete the required forms, provide necessary supporting documentation, and submit detailed information about the proposed rates and policy provisions.

What is the purpose of form and rate filing?

The purpose of form and rate filing is to ensure that insurance policies meet regulatory standards, protect consumers from unfair practices, and ensure that rates are adequate, not discriminatory, and not overly burdensome.

What information must be reported on form and rate filing?

Information that must be reported includes the specific policy forms, proposed rates, underwriting guidelines, actuarial data, and any supporting justification for the rates being filed.

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