Last updated: May 2026
A state-by-state tracker of insurance rebating legislation, covering value-added services, consumer incentives, wellness programs, and anti-rebating reforms.
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Only state regulators could complicate an effort to simplify the regulation of surplus lines.

The NAIC is (finally) turning its attention to potential reform of the anti-rebating laws.

While Congress struggles to pass meaningful policy on insurance, state legislatures are racing ahead on issues including PBM reform, disaster readiness, and AI oversight.