Insurance Division-Rate Schedule Hearing

The Insurance Division Rate Schedule Hearing process is the formal proceeding through which Hawaii's Insurance Commissioner reviews and approves or denies insurance rate filings by insurers, ensuring that rates are not excessive, inadequate, or unfairly discriminatory. Hearings may be held for contested rate applications, providing a public forum for examination of insurer actuarial justifications. This process applies to property, casualty, health, and other insurance lines subject to rate regulation in Hawaii.

Insurance rate hearings determine whether your car, home, or health insurance premiums are fair and justified by actuarial data. Policyholders and consumer advocates can participate in contested rate hearings to challenge proposed rate increases.