For Consumers

Rates and Forms

We review and approve the insurance products carriers and insurers sell, making sure policies conform to state laws and regulations. We also review rate filings to make sure the premiums insurers charge are appropriate and aren’t discriminatory. Our division includes:

Actuarial services

  • Review companies' rate filings for property/casualty and health insurance
  • Ensure that the companies' proposed rates are justified and meet statutory requirements
  • For more information, call the Rates and Forms helpdesk at 360-725-7111

Health and Disability

  • Research, review and analyze insurance contracts, forms, and other materials for compliance with federal and state laws and regulations
  • Provide assistance to the public and the industry in solving insurance problems
  • For more information, call the Rates and Forms helpdesk at 360-725-7111

Life, annuity, disability income, accidental death and dismemberment, long-term care, Medicare supplement, and credit insurance

  • Research, review, and analyze insurance contracts, forms and advertising materials submitted by companies for compliance with Washington state laws and regulations
  • For more information, call the Rates and Forms helpdesk at 360-725-7111

Network Access

  • Review provider agreements (contracts) for compliance with federal and state laws and regulations
  • Analyze network access reports to assess if issuers are providing access to medically necessary covered services
  • Provide assistance to the public and the industry in solving access issues
  • For more information, call 360-725-7127

Property and Casualty

  • Research, review, and analyze insurance contracts and forms submitted by companies for compliance with Washington state laws, case law and regulations
  • For more information, call the Rates and Forms helpdesk at 360-725-7111