N/A – OCI did not receive any public comments or feedback.
8. Comparison of similar rules in adjacent states as found by OCI:
Illinois: N/A – It does not appear that Illinois has a rule setting forth groups eligible for blanket accident and sickness insurance. Rather, Illinois statute defines groups eligible for blanket accident and health insurance. See 215 Ill. Comp. Stat. 5/367a. This provision does not include veterans as an eligible group.
Iowa: Iowa Admin. Code r. 191-35.3 (1) (509) sets forth groups eligible for blanket accident and sickness insurance. This provision does not include veterans as an eligible group.
Michigan: N/A – It does not appear that Michigan has a rule setting forth groups eligible for blanket accident and sickness insurance. Rather, Michigan statute defines groups eligible for blanket disability insurance. See Mich. Comp. Laws § 500.3402d. This provision does not include veterans as an eligible group. Minnesota: N/A – It does not appear that Minnesota has a rule setting forth groups eligible for blanket accident and sickness insurance. Rather, Minnesota statute defines groups eligible for blanket accident and sickness insurance. See Minn. Stat. § 62A.11, subd.1. This provision does not include veterans as an eligible group.
9. A summary of the factual data and analytical methodologies that OCI used in support of the proposed rule and how any related findings support the regulatory approach chosen for the proposed rule:
OCI did not rely on an analytical methodology to determine that “veterans” should be an eligible group under INS 3.15 (4) (a). Rather, OCI’s support for the proposed rule is based on current practice, whereby OCI considers it appropriate to approve “veterans” as an eligible risk category under INS 3.15 (4) (b) (providing the Commissioner with the discretion to approve additional risks or classes of risk). Therefore, it would promote simplicity and uniformity to amend INS 3.15 (4) (a) to add “veterans” as a recognized risk category.
10. Any analysis and supporting documentation that OCI used in support of OCI’s determination of the rule’s effect on small businesses under s. 227.114: It is OCI’s determination that, by removing the requirement that “veterans” as an eligible risk category be approved on a case-by-case basis, the proposed rule would minimally reduce impacted entities’ administrative burden. To the extent these entities are small businesses, there would be a minimal positive economic effect. OCI does not anticipate a significant economic impact on small businesses.
11. A description of the Effect on Small Business:
OCI anticipates either no or a minimal positive economic effect on small businesses, in that insurers could automatically treat “veterans” as an eligible risk category.
12. Agency contact person:
Phone: (608) 267-9586
Address: 125 South Webster St – 2nd Floor, Madison WI 53703-3474
Mail: PO Box 7873, Madison, WI 53707-7873
13. Place where comments are to be submitted and deadline for submission:
Persons wishing to testify or provide oral or written comments regarding the proposed administrative rule may appear during the hearing. Additionally, the rule may be reviewed and comments made at https://docs.legis.wisconsin.gov/code or sent to the following: The deadline for submitting comments is 4:00 p.m. on the 8th day of December, 2023.
Written comments can be mailed, e-mailed, or hand-delivered to:
Sharone Assa
Legal Unit - OCI Rule Comment for Rule Ins 3.15
Office of the Commissioner of Insurance
125 South Webster St – 2nd Floor
Madison WI 53703-3474
The proposed rule changes are:
SECTION 1.
Ins 3.15 (4) (a) 16. is created to read:16. Veterans
EFFECTIVE DATE. The rule takes effect on the first day of the month following publication in the Wisconsin Administrative Register, as provided in s. 227.22 (2) (intro.), Stats.Section 1.
Section 2.
Nathan Houdek
Commissioner
