“Protecting consumers is at the heart of the Maryland Insurance Administration’s mission,” said Maryland Insurance Commissioner Marie Grant. “We are pleased that our efforts to ensure fairness, transparency and accountability show substantial, tangible results for Marylanders. We continue to urge anyone facing an insurance-related issue or concern to contact us for support.”  

The money was recovered through the Administration’s Rapid Response Program, the Property and Casualty Division’s Complaints Unit, the Life and Health Division’s Complaints Unit, the Ap​peals & Grievance Unit, the Insurance Fraud and Producer Enforcement Division, and the Market Regulation and Professional Licensing Division.

• The Maryland Insurance Administration’s innovative Rapid Response Program helps many consumers resolve property and casualty claims, such as auto and homeowners claims, quickly and without having to file a formal written complaint. Participation in the Rapid Response Program is voluntary and does not affect the consumer’s right to file a formal complaint. The program closed 2,207 complaints in 2025 and recovered nearly $6 million for consumers.
  
  
• The Property and Casualty Complaints Unit is responsible for investigating formal property and casualty insurance complaints filed by consumers. The unit closed 8,480 complaints in 2025 and recovered nearly $11.4 million for consumers.
  
  
• The Life and Health Complaints Unit is responsible for investigating life and health insurance complaints filed by consumers and providers. The unit closed 3,958 complaints and recovered nearly $10.7 million for consumers and providers.
  
  
• Maryland law gives consumers the right to appeal a decision that denies coverage for medically necessary treatment. If a doctor has determined that certain medical treatment is needed, but an HMO or health insurer does not agree, this law allows a consumer to appeal. The Administration’s Appeals & Grievance Unit responded to 1,387 such complaints in 2025 and recovered more than $800,000 for consumers.
  
  
• The Administration’s Market Regulation and Professional Licensing Division is responsible for regulatory oversight of domestic and foreign insurance companies and title producers. Oversight is performed through a variety of methods, including comprehensive and target market conduct examinations and investigations. The Division’s Market Conduct Unit closed 99 investigations, issued 19 orders, assessed $793,500 in penalties and recovered nearly $22.3 million for consumers.
  
  
• The Insurance Fraud and Producer Enforcement Division investigates and prosecutes civil and criminal insurance fraud committed by insurance companies, producers (agents or brokers), consumers and the general public. In 2025, the Criminal Fraud Unit’s work resulted in 8 indictments/informations, 21 convictions and nine cases awaiting trial. In the criminal cases, the courts ordered $18.9 million in restitution. The civil fraud group assessed $82,250 in administrative penalties and ordered $80,318 in restitution for Maryland consumers and businesses.The enforcement group imposed $163,000 in administrative penalties and ordered $2,024 in restitution for Maryland consumers and businesses.

In September, the Administration approved premium rates for individual and small group health insurance plans offered in the state for coverage in 2026, after extensive review. While rates for individual health insurance plans under the Affordable Care Act (ACA) increased by an average of 13.4% this year, largely due to the impacts of expiring federal tax credits, the approved rates are 3.7% lower on average than insurance carriers originally requested. That represents a total annual premium savings of $55 million for Maryland consumers.

In the Property and Casualty space, even with a limited standard of rate review under Maryland law, the Administration’s filing reviews saved consumers an estimated $5.8 million during the last year.

Recovering money for consumers and business owners is one of many ways the Maryland Insurance Administration serves the state’s citizens. The Administration licenses and regulates insurers, insurance agents, and brokers who conduct business in the state, and monitors the financial solvency of licensed insurers. The Administration also educates consumers about insurance issues, investigates consumer complaints and questions concerning insurance companies operating in Maryland and resolves insurance appeals and grievances about coverage decisions or claims denials.

Notably, the Administration’s Health Coverage Assistance Team (H-CAT), formed in 2024, assisted 1,949 Marylanders in 2025. The H-CAT team answers health insurance questions, addresses health insurance problems or concerns, assists in filing health insurance complaints and connects consumers with health coverage resources. The team can be reached via an online form, by phone at 410-468-​2​442​ or through email at hcat.mia@​maryland.gov.

If you would like to file an insurance complaint, please visit the MIA's online portal: File A ​Complaint

Have you been denied insurance coverage for medically necessary care? Visit our Appeals & Grievance page or call our 24/7 Hotline at 1-800-492-6116.

To report suspected insurance fraud, please visit our Insurance Fraud page​.