I focused on property & casualty but yes, the statute usually applies to health insurance, and I think the ACA further codified it as a requirement. While I ha

I focused on property & casualty but yes, the statute usually applies to health insurance, and I think the ACA further codified it as a requirement. While I haven't done a deep dive recently, I doubt health insurance administrative expenses and profit are the main driving factor in health insurance costs. Losses (utilization multiplied by price) are the main driving force. You can look up rate reviews at https://ratereview.healthcare.gov/ https://ratereview.healthcare.gov/ and probably view the entire filings on the state DOI website, altho these filings are usually not really as accessible as they should be.