• The COVID-19 pandemic and health insurance regulation

With projections of costs in the billions for COVID-19 treatments alone, and 

heightened scrutiny on COVID-19-related health insurance coverage, the National 

Association of Insurance Commissioners (NAIC) convened in March 2020 to 

discuss how the industry could best deal with a pandemic. While the ramifications 

of the COVID-19 event are in their infant stages, it is important to consider the 

implications such catastrophic risks have on an insurance market. We evaluate statelevel changes presented by the NAIC in response to the COVID-19 pandemic and 

use prior research to offer insight into health insurance in a post-COVID-19 world. 

This manuscript aims to provide a summary of the NAIC’s current standing during 

the pandemic, while presenting insight into policy implications regarding regulation 

in health insurance markets during catastrophic events.