Maryland Insurance Administration

What Maryland Insurance Administration does

The Maryland Insurance Administration (MIA) is an independent state agency established in 1872 and headquartered at 200 St. Paul Place in Baltimore, Maryland. It is the primary regulator of the insurance industry in the State of Maryland, operating under the statutory authority granted by the Insurance Article of the Maryland Code. Headed by Insurance Commissioner Marie Grant, the agency protects consumers from illegal insurance practices, ensures compliance by insurers and producers, and handles consumer complaints across health, life, auto, and homeowners insurance. It reported more than $70 million in consumer recoveries for fiscal year 2025.

The MIA delivers regulatory and consumer protection services through a portfolio of interconnected online portals rather than a unified platform. Core products include a Consumer Complaint Filing Portal, an Insurance Fraud Reporting intake, a Company/Producer Licensing Portal, a Producer Service Request Portal, a Premium Tax Filing System, a Semi-Annual Health Claims Data Application (Clean Claim), an Online Carrier Report for adverse decisions and grievances, a Pharmacy Benefit Manager Registration system, and public searchable databases for verifying licensed entities. The agency's technology infrastructure is built on a mix of SharePoint-based publishing (insurance.maryland.gov), a Salesforce-based portal backbone (marylandinsurance.my.site.com), VelocityPayment for fee collection, and NAIC-developed shared systems including UCAA and SERFF for insurer licensing and rate/form filing. These portals operate semi-independently, each serving distinct regulatory functions for specific stakeholder segments — consumers, insurance companies, producers, and healthcare providers.

The MIA does not operate as a revenue-generating commercial entity. It is funded through State of Maryland budget appropriations and regulatory fees assessed to licensed insurers, producers, Pharmacy Benefit Managers ($5,000 initial registration), surplus lines brokers ($1,000 filing fee), and other regulated entities. Consumer-facing services are provided free of charge. The agency's customers are effectively all Maryland residents (as beneficiaries of consumer protection) and all licensed insurance market participants (as fee-payers and regulated parties). Multi-channel outreach is delivered through a 24/7 hotline, the Health Coverage Assistance Team (H-CAT), social media, webinars, public hearings, and community events.

Name

Maryland Insurance Administration

Legal name

Maryland Insurance Administration

Website

https://insurance.maryland.gov

Company type

Public

Founded year

1872

Operating status

Operating

Headcount range

101–250 employees

Short description

The Maryland Insurance Administration is the independent state agency that regulates the insurance industry in Maryland, licensing insurers and producers, investigating consumer complaints, and enforcing insurance law under the authority of the Insurance Commissioner.

Ownership category

akta.pro rank

Product category

State Insurance Regulation

NAICS

Regulation, Licensing, and Inspection of Miscellaneous Commercial Sectors (92615)

SIC

Insurance Carriers, Nec (6399)

akta.pro primary industry

Gambling, Alcohol & Controlled Substances Regulators (BPAIAOAN)

akta.pro secondary industry

Public Health Law, Legal Counsel & Regulatory Affairs Offices (HLAJACAJ)

Keywords

• Insurance regulation
• Consumer protection
• Insurance licensing
• Fraud investigation
• Insurance compliance

Headquarters

HQ city

Baltimore

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Others

Distribution channels6 records

Marketing channels6 records

Core offering

The Maryland Insurance Administration is the State of Maryland's independent insurance regulator, responsible for licensing insurers and producers, investigating consumer complaints against insurance companies and agents, administering insurance fraud prevention, processing rate and form filings, and adjudicating appeals for medically necessary care. The agency provides free consumer assistance and enforces compliance with the Maryland Insurance Article.

Product overview

The Maryland Insurance Administration is a state regulatory agency overseeing insurance operations in Maryland. Its digital services consist of multiple interconnected online portals rather than a unified product platform. The core consumer-facing services include complaint filing (against insurers, producers, and for fraud reporting) and company/producer search. For regulated entities (insurers, producers, PBMs), the MIA provides licensing portals, premium tax filing systems, and claims data reporting tools. Key platforms include the Clean Claim Application for semi-annual health claims data, the Online Carrier Report for quarterly adverse decisions and grievances, the Company Licensing Portal for certificate of authority renewals, and the Producer Service Request system. These portals operate semi-independently, each serving distinct regulatory functions for specific stakeholder segments.

Differentiator

Problem solved

Functional benefit

Products and services

• Consumer Complaint Filing Portal Secure online portal for Maryland consumers to file complaints against insurance companies, producers, advisers, and public adjusters. Supports auto, homeowners, health, life, and long-term care insurance complaints.
• Insurance Fraud Reporting Online system operated by the MIA Insurance Fraud Division that allows the public to report suspected insurance fraud anonymously without requiring identification.
• Company/Producer Licensing Portal Online portal for insurance companies, producers, and agencies to apply for licenses, renew certificates of authority, and manage licensing status in Maryland.
• Semi-Annual Health Claims Data Application (Clean Claim) Electronic filing system for health insurers and third-party payors to submit semi-annual claims data pursuant to COMAR 31.10.11, covering medical, dental, prescription drug, vision, and mental health benefit claims.
• Online Carrier Report Application Quarterly reporting system for health insurance carriers to submit adverse decisions and grievance disposition data pursuant to Maryland Insurance Article §15-10A-06.
• Premium Tax Filing System System for insurers to file quarterly estimated premium tax declarations and annual premium tax statements, including OPTins program integration for electronic filing.
• Company and Producer Search Public searchable database for verifying licensed insurance companies, producers (agents), and producer firms (agencies) operating in Maryland.
• Surplus Lines Broker Services Services for surplus lines brokers including certificate of qualification applications, renewals, premium tax filings, and quarterly affidavit submissions.
• Pharmacy Benefit Manager Registration Registration and renewal system for pharmacy benefit managers (PBMs) operating in Maryland, with an initial application fee of $5,000.
• Pharmacy Services Administrative Organization Registration Registration system for Pharmacy Services Administrative Organizations (PSAOs) under Title 15, Subtitle 20 of the Maryland Insurance Article, with a $500 initial application fee.
• Producer Service Request Portal Online portal for insurance professionals to submit service requests for name changes, license cancellations, reinstatements, address updates, and line-of-authority modifications.
• Health Coverage Assistance Team (H-CAT) Dedicated team that helps consumers resolve health insurance questions, address problems, and file complaints; reachable at 410-468-2442.
• Maryland Health Benefit Plans Annual Report Annual report system for Maryland health benefit plans required by statute, due March 1 each year.
• Maryland Covered Lives Report Annual report on covered lives required from health insurers, due September 15 each year.
• Electronic Administrative Penalty Payment Online portal for paying administrative penalties issued by the MIA, accepting credit cards and electronic checks.
• Registration/Fee Payment Portal Online payment portal for various MIA registration fees including medical directors, private review agents, PFC license registrations, and administrative service providers.

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• NAIC (National Association of Insurance Commissioners)coreTechnology or IntegrationMIA participates in NAIC-developed systems including the Uniform Certificate of Authority Application (UCAA) for insurer licensing, System for Electronic Rate and Form Filing (SERFF), and other shared regulatory platforms used across states.

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Direct peers

• Illinois Department of Insurance: Illinois's state insurance regulator providing consumer protection, insurer and producer licensing, and market conduct oversight. Directly comparable peer performing parallel statutory functions to MIA, including health insurance appeals and producer licensing services.
• California Department of Insurance: California's state insurance regulator overseeing insurer and producer licensing, consumer complaints, rate filings, and fraud investigation across all major insurance lines. Directly comparable as a peer state insurance department with the same statutory mission as MIA, scaled to a much larger market.
• New Jersey Department of Banking and Insurance: NJ's combined banking and insurance regulator with oversight of insurers, producers, and consumer complaints, structured as a peer department performing the same regulatory mission as MIA across both banking-adjacent and insurance lines.
• Pennsylvania Insurance Department: Pennsylvania's state insurance regulator with consumer complaint handling, insurer and producer licensing, market conduct examinations, and fraud bureau operations. Directly comparable peer that performs a near-identical mission to MIA in a Mid-Atlantic neighboring jurisdiction.
• Ohio Department of Insurance: Ohio's state insurance regulator with parallel functions in licensing, consumer protection, market conduct exams, and fraud investigation. Directly comparable peer state insurance department offering structurally identical services to those provided by MIA.
• New York State Department of Financial Services (NY DFS): NY's combined banking and insurance regulator responsible for insurer supervision, consumer protection, licensing, and enforcement. Highly comparable to MIA's regulatory role with parallel insurer oversight and consumer complaint functions in a much larger market.
• Florida Office of Insurance Regulation (FLOIR): Florida's state insurance regulator with primary oversight of property/casualty and life/health insurers, rate and form review, licensing, and consumer services. Directly comparable peer state insurance regulator with overlapping scope to MIA, especially in property/casualty lines.
• Texas Department of Insurance: Texas's state insurance regulator handling consumer complaints, insurer and producer licensing, rate regulation, and workers' compensation oversight. Directly comparable peer state insurance department with substantially the same scope and statutory functions as MIA.
• Virginia State Corporation Commission — Bureau of Insurance: Virginia's insurance regulatory function housed within the State Corporation Commission, providing licensing, market conduct oversight, and consumer protection. Directly comparable peer with particularly close regional proximity to Maryland and overlapping mid-Atlantic insurance market.

Broad incumbents

• National Association of Insurance Commissioners (NAIC): National coordinating body for U.S. state insurance regulators that develops model regulations and operates shared platforms (UCAA, SERFF) used by every state insurance department including MIA. Comparable as the umbrella industry organization that establishes the standards and infrastructure MIA adopts, but not itself a direct regulator.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/MD_Insurance
• YouTubeyoutube.com/channel
• Facebookfacebook.com/MDInsuranceAdmin
• LinkedInlinkedin.com/company/maryland-insurance-administration

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

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M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Maryland Insurance Administration