John P. McDonough, Secretary of State     ~    
Brian Morris, Acting Administrator, Division of State Documents

Title 31
Maryland Insurance Administration

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lick on the subtitle number to be taken directly to that subtitle or scroll down the page for subtitle and chapter information and select the link for the regulations in that chapter.

Subtitles:
01 GENERAL REGULATIONS
02 POWERS AND DUTIES—HEARINGS
03 INSURANCE PRODUCERS AND OTHER INSURANCE PROFESSIONALS
04 INSURERS
05 ASSETS, LIABILITIES, RESERVES, AND INVESTMENTS OF INSURERS
06 TAXES AND FEES
07 INSURANCE RATING LAW
08 PROPERTY AND CASUALTY INSURANCE
09 LIFE INSURANCE AND ANNUITIES
10 HEALTH INSURANCE—GENERAL
11 HEALTH INSURANCE—GROUP
12 HEALTH MAINTENANCE ORGANIZATIONS; ENTITIES THAT ACT AS HEALTH INSURERS
13 CREDIT LIFE AND CREDIT HEALTH INSURANCE
14 LONG-TERM CARE
15 UNFAIR TRADE PRACTICES
16 MISCELLANEOUS
17 MARYLAND HEALTH INSURANCE PLAN

Subtitle 01 GENERAL REGULATIONS
31.01.01 General Provisions
31.01.02 Emergency Powers

Subtitle 02 POWERS AND DUTIES—HEARINGS
31.02.01 Hearings Conducted by the Administration
31.02.02 Hearings Conducted by Administrative Law Judges - Repealed
31.02.03 Hearings Arising from Cancellation, Nonrenewal, Increase in Premium, or Reduction of Coverage under a Motor Vehicle Liability
                 Insurance Policy
31.02.04 Penalties
31.02.05 Public Information Act Requests
31.02.06 Procedures for Quasi-Legislative Hearings

Subtitle 03 INSURANCE PRODUCERS AND OTHER INSURANCE PROFESSIONALS
31.03.01 Temporary Licensees
31.03.02 Insurance Producers—Continuing Education Requirements
31.03.03 Fiduciary Responsibility of Insurance Agents and Brokers: Premium Accounts—Commingling of Funds
31.03.04 Regulation Restricting Licensed Agents to Placing Maryland Risks for State Citizens with Authorized Insurers
31.03.05 Bail Bonds
31.03.06 Surplus Lines
31.03.07 Installment Vendors Doing Business In Maryland (Such as Auto Dealers, Boat Dealers, Appliance Dealers, Loan Companies)
31.03.08 Licensing Services—Designation of Contractor—Payment for Services - Repealed
31.03.09 Staggered System for Renewal of Licenses
31.03.10 Advisors
31.03.11 Motor Vehicle Rental Companies—Limited Lines License
31.03.12 Procedures—Written Consent—Federal Law
31.03.13 Producer Registers and Documentation of Appointments
31.03.14 Notice of Payment Options When Premium Financing is Offered
31.03.15 Senior or Retiree Designations and Credentials
31.03.16 SHOP Exchange Navigators — Licensing
31.03.17 Consolidated Services Center — SHOP Exchange Enrollment Permits

Subtitle 04 INSURERS
31.04.01 Examination of Insurers
31.04.02 Examination of Promoters or Controllers of Insurers
31.04.03 Home and Executive Offices
31.04.04 Annual Statements and Participation in National Association of Insurance Commissioners Information System
31.04.05 Period of Organization or Proof of Financial Worth Before Admission of Foreign Stock and Mutual Insurance Companies
31.04.06 Conflict of Interests
31.04.07 Proxies, Consents, and Authorizations of Domestic Stock Insurers
31.04.08 Notification of Changes in Stock Ownership and Operating Insurance Affiliations - Repealed
31.04.09 Custody Agreements and the Use of Clearing Corporations
31.04.10 Domestic Insurers—Insider Trading
31.04.11 Newspaper Advertisements by Unauthorized Insurers - Repealed
31.04.12 Insurer Transactions With Unappointed Persons—General Business Practices
31.04.13 Insurance-Producer-Controlled Business
31.04.14 Life and Health Insurance Guaranty Corporation Coverage—Notice Requirements
31.04.15 Antifraud Plans
31.04.16 Filing of Underwriting Standards
31.04.17 Filing of Forms for Approval
31.04.18 Form Filings Under Maryland Insurance Acquisitions Disclosure and Control Act
31.04.19 Filing of Forms Under File and Use Method
31.04.20 Market Conduct Actions
31.04.21 Payment of Actuarial Review of Rate Filings

Subtitle 05 ASSETS, LIABILITIES, RESERVES, AND INVESTMENTS OF INSURERS
31.05.01 Annual Actuarial Opinion and Memorandum
31.05.02 Certificate of Valuation—Life Insurers
31.05.03 Valuation of Life Insurance Policies
31.05.04 Valuation Standards for Individual Annuity and Pure Endowment Contracts
31.05.05 Valuation Standards for Group Annuity and Pure Endowment Contracts
31.05.06 Investments of Life Insurers and Property and Casualty Insurers in High Yield/High Risk Obligations
31.05.07 Life and Health Reinsurance Agreements
31.05.08 Credit for Reinsurance
31.05.09 Mortgage Loans
31.05.10 Financial Guaranty Insurance
31.05.11 Annual Financial Reporting
31.05.12 Property and Casualty Actuarial Opinion

Subtitle 06 TAXES AND FEES
31.06.01 Allocation and Taxation of Premiums
31.06.02 Retaliatory Tax
31.06.03 Risk Retention Groups and Purchasing Groups—Fees
31.06.04 Premium Tax — Required Filings, Payments, Penalties, and Interest

Subtitle 07 INSURANCE RATING LAW
31.07.01 Property, Casualty, Surety, and Marine Rating, and Supplementary Information Filings
31.07.02 Filing of Rate Level Index Information Forms - Repealed
31.07.03 Review of Automobile Rating Territories

Subtitle 08 PROPERTY AND CASUALTY INSURANCE
31.08.01 Antiarson Application
31.08.02 Toll-Free Telephone Number
31.08.03 Notices of Cancellation, Nonrenewal, Premium Increase, and Reduction in Coverage
31.08.04 Motor Vehicle Insurance—Out-of-State Coverage
31.08.05 Addition, Reduction, or Elimination in Coverage Notice Requirement
31.08.06 Nation-Wide Marine Definition and Plan for Interpretation
31.08.07 Medical Malpractice—Closed Claims Surveys - Repealed
31.08.08 Lead Poisoning
31.08.09 Group Self-Insurance for Workers' Compensation
31.08.10 Medical Professional Insurers Online Claim Survey Reporting Requirements
31.08.11 Liability of Insurer—Failure to Act in Good Faith
31.08.12 Temporary Moratoriums and Weather Events
31.08.13 Application of a Percentage Deductible in the Case of a Hurricane or Other Storm
31.08.15 Underwriting Period
31.08.17 Statement of Actual Reason for Cancellation or Nonrenewal of Commercial Insurance Policy

Subtitle 09 LIFE INSURANCE AND ANNUITIES
31.09.01 Wholesale Life Insurance
31.09.02 Variable Life Insurance
31.09.03 Industrial Life Insurance—Dividends Required
31.09.04 Contracts on a Variable Basis
31.09.05 Replacement of Life Insurance and Annuities
31.09.06 Notice of Nonforfeiture Provisions in Lapsed Life Policies
31.09.07 Charitable Gift Annuities
31.09.08 Group Annuity Contracts
31.09.09 Life Insurance Illustrations
31.09.10 Separate Account Investments under Funding Agreements
31.09.11 Viaticals
31.09.12 Suitability in Annuity Transactions
31.09.13 Military Sales Practices
31.09.14 Retained Asset Accounts - Repealed
31.09.15 Universal Life Insurance

Subtitle 10 HEALTH INSURANCE—GENERAL
31.10.01 Health Insurance
31.10.02 Health Insurance—Simplified Language
31.10.03 Health Insurance—Stop-Loss Coverage - Repealed
31.10.04 Health Insurance—Plan of Withdrawal
31.10.05 Minimum Standards for Medicare Supplement Policies
31.10.06 Standards for Medicare Supplement Policies
31.10.07 Limited Benefits Policies—Reporting Requirements - Repealed
31.10.08 Limited Benefits Policies—Minimum Loss Ratio - Repealed
31.10.09 Hospice Care Benefits
31.10.10 Summary Explanation of Benefits
31.10.11 Uniform Claims Forms
31.10.12 Uniform Consultation Referral
31.10.13 Return of Premium, Cash Surrender, or Other Nonforfeiture Benefits in Health Insurance Policies
31.10.14 Minimum Loss Ratio with Respect to Specified Disease Policies
31.10.15 Substantial, Available, and Affordable Coverage Plan - Repealed
31.10.16 Carrier Provider Panels—Application Process
31.10.17 Health Care Consumer Information and Education Act
31.10.18 Denials of Coverage Based on Medical Necessity
31.10.19 Independent Review Organizations and Medical Experts
31.10.20 Certification of HMO Medical Directors
31.10.21 Private Review Agents
31.10.22 Provider - Sponsored Organizations
31.10.23 Penalties for Failure to Make Prompt Payment of Claims
31.10.24 Discount Medical Plan Organizations and Discount Drug Plan Organizations
31.10.25 Required Standard Provisions for Individual Nonprofit Health Service Plan Contracts
31.10.26 Uniform Credentialing Form
31.10.27 Health Insurance—Notice of the Maryland Health Insurance Plan
31.10.28 Individual Health Insurance Contracts—Standard Provisions and Exclusions
31.10.29 Complaint Process for Coverage Decisions
31.10.30 Disability Benefit Claims Procedure
31.10.31 Behavioral Health Care Expense Form
31.10.32 Nonprofit Health Service Plans—Material Modification
31.10.33 Utilization Review of Surgical Treatment of Morbid Obesity
31.10.34 Carrier Provider Panels
31.10.35 Domestic Partner Coverage
31.10.36 Pharmacy Benefit Managers—Approval of an Accrediting Organization
31.10.37 Delivery of Policy or Certificate
31.10.38 Wellness Program Incentives
31.10.39 Utilization Review of Treatment for Autism and Autism Spectrum Disorders
31.10.40 Child Only Policies - Repealed
31.10.41 Assignment of Benefits to Nonpreferred Providers

Subtitle 11 HEALTH INSURANCE—GROUP
31.11.01 Conversion of Group Health Insurance
31.11.02 Group Health Insurance—Continuation of Coverage of Divorced Spouses
31.11.03 Group Health Insurance—Continuation of Coverage of Surviving Spouses
31.11.04 Group Health Insurance—Continuation of Coverage for Terminated Employees
31.11.05 Group Health Insurance Options for Alzheimer's Disease and for Diseases of the Elderly
31.11.06 Comprehensive Standard Health Benefit Plan
31.11.07 Small Employer Group Health Insurance—Self-Employed Individuals- Repealed
31.11.08 Small Group Market Health Insurance Geographic Areas
31.11.09 Solicitation of Coverage under Group Health or Blanket Health Insurance Policy Issued in Another Jurisdiction
31.11.10 Required Standard Provisions
31.11.11 Small Employer Group Health Insurance—Disclosure Statement
31.11.12 Limited Benefit Plan
31.11.13 Limited Benefit Plan—Disclosure Statement
31.11.14 Wellness Benefits under Small Employer Health Benefit Plans

Subtitle 12 HEALTH MAINTENANCE ORGANIZATIONS; ENTITIES THAT ACT AS HEALTH INSURERS
31.12.01 Health Maintenance Organizations—Certificate of Authority and Fiscal Requirements
31.12.02 Health Maintenance Organizations—Contract Forms and Premium Rates
31.12.03 Health Maintenance Organizations—Mandatory Point-of-Service Option
31.12.04 Dental Plans—General Provisions
31.12.05 Dental Benefit Plan Coverage—Mandatory Point-of-Service Option
31.12.06 Managed Care Organizations—Financial Compliance Requirements
31.12.07 Required Standard Provisions
31.12.08 Payments to Nonparticipating Providers

Subtitle 13 CREDIT LIFE AND CREDIT HEALTH INSURANCE
31.13.01 Standards for Credit Life and Credit Health Insurance
31.13.02 Credit Life and Credit Health Reinsurance
31.13.03 Standards for Credit Involuntary Unemployment Benefit Insurance

Subtitle 14 LONG-TERM CARE
31.14.01 Long-Term Care Insurance
31.14.02 Long-Term Care Insurance—Premium Rates and Reserves
31.14.03 Long-Term Care Partnership

Subtitle 15 UNFAIR TRADE PRACTICES
31.15.01 Special Policies and Misleading Advertising
31.15.02 Advertisements of all Insurance Contracts Which Include any Accident, Sickness, Hospital, Surgical or Medical Coverages
31.15.03 Life Insurance Disclosure
31.15.04 Solicitation of Annuity and Deposit Fund Contracts
31.15.05 Insurer's Financial Statements
31.15.06 Filing or Service Fees in Connection with Certificates of Financial Responsibility
31.15.07 Payment of Claims Under Property and Casualty and Title Insurance Policies
31.15.08 Payment of Claims Under Life and Health Policies Annuity Contracts
31.15.09 Automobile Liability Insurance
31.15.10 Homeowner's Insurance and Private Passenger Motor Vehicle Insurance—Standards for Cancellation and Nonrenewal
31.15.11 Use of Credit History in Underwriting and Rate Making
31.15.12 Valuation of Motor Vehicles
31.15.13 Notice of Premium Increase of 20 Percent or More
31.15.14 Administrative Service Fees

Subtitle 16 MISCELLANEOUS
31.16.01 Disclosure to Policyholders of the Possible Effects of Assessable Insurance Policies
31.16.02 Surety Bond or Escrow Account Requirements - Repealed
31.16.03 Title Insurance Companies—MAHT Account
31.16.04 Provision of Completed Premium Finance Agreement to Insured
31.16.05 Cancellation of Insurance Contracts by Premium Finance Companies
31.16.06 Bulk Reinsurance, Stock, and Mutual Insurers
31.16.07 Holocaust Victims Insurance Claims and Reports
31.16.08 Privacy of Consumer Financial and Health Information
31.16.09 Registry and Report on Slavery Era Insurance
31.16.10 Complaint Investigation and Determination Process

Subtitle 17 MARYLAND HEALTH INSURANCE PLAN
31.17.01 Plan Administrator Criteria
31.17.02 Medically Uninsurable Individual Based on a Medical or Health Condition
31.17.03 Operation and Administration of the Plan
31.17.04 Senior Prescription Drug Assistance Program