How our department monitors insurance market practices
Insurance Company Contract and Rate Filings
DIFS Prohibition Orders for Consumer Finance and Credit Union.
Licensing - Consumer Finance and Mortgage
Consumer Finance and Mortgage Forms
BIDCO and Anti-Redlining Forms.
Statutes, Rules and Regulations
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Health Maintenance Organizations (HMOs) selling group or individual health care coverage in Michigan must file base rates and their rating methodology for approval by DIFS. Rates for the individual and small group (employer group sizes up to 50) markets must comply with both Michigan law and the Affordable Care Act (ACA) rating requirements. Large group rates must comply with Michigan law. In order for DIFS to grant rate approval, the rates must be compliant with the applicable statutory standards.
