| State | Phone | Website | Filing Process | Notes |
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How to Use the State Insurance Commissioner
Your state insurance commissioner regulates health insurance companies operating in your state. They can help you when:
- Your insurer violates state insurance laws or your policy terms
- You need an external independent review of a denied claim
- You want to file a formal complaint that creates a regulatory record
- The insurer failed to respond to your appeal within legally required deadlines
- You believe the denial was made in bad faith
Important: Self-funded employer plans (ERISA plans) are regulated by the federal Department of Labor, not state commissioners. If your plan card says "Administrative Services Only" or your employer self-insures, contact the DOL's Employee Benefits Security Administration (EBSA) at 1-866-444-3272 instead.