The MIA is a specially funded agency supported entirely through the collection of licensing fees and assessments on the insurance industry; it does not receive any money from the State’s General Fund. Assessments support two separate funds: the Insurance Regulation Fund, which supports the general administrative and regulatory activities of the MIA; and the Health Care Regulatory Fund, which funds the costs of complaint investigations (appeals and grievances) related to payment denials involving medical necessity. These funds are maintained year to year and unused assessment are used to decrease future assessments and are not transferred to the General Fund.

Insurance Regulation Fund (“IRF”)

Under Section 2-502 of the Insurance Article, Annotated Code of Maryland insurance companies are subject to an annual assessment fee. Please refer to the Frequently Asked Questions (FAQ) document below for more information regarding the IRF. In addition, refer to the FAQ Individual Calculation excel spreadsheet below for a demonstration of the IRF calculation for an

Health Care Regulatory Fund

Under Section 2-112.2 and 2-112.3 of the Insurance Article, Annotated Code of Maryland carriers that provide health benefit plans as defined in 2-112.2(a)(3) are subject to an annual assessment. The health care regulatory assessment that is payable by each carrier shall be calculated by taking the total costs under subsection 2-112.2(b)(1) multiplied by the percentage of gross direct health insurance premium written in the State attributable to that carrier in the prior calendar year.

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