Ohio insurance laws
Insurance regulations, rate filing requirements, department info, and recent bulletins for Ohio. Updated Apr 1, 2026.
Department of Insurance
Ohio operates a prior approval rate filing system for health insurance and uses a file-and-use approach for most property and casualty lines. The Ohio Department of Insurance, led by Director Judith L. French (appointed 2021), provides robust consumer protection through education and vigilant regulation. Ohio's insurance marketplace is competitive with strong solvency oversight and consumer complaint resolution services.
Auto Insurance
Notable Laws
- ORC § 3937.18 - Uninsured and underinsured motorist coverage (optional, insurers must offer equal to liability limits)
- ORC § 4509.101 - Mandatory financial responsibility requirement for all motor vehicle operators
- ORC § 3937.23 - Prohibits premium increase when insured not at-fault in accident with uninsured motorist
- ORC § 3937.31 - Minimum one-year policy term or guaranteed renewable for successive periods
- ORC § 3937.43 - Premium reduction for drivers over 60 completing accident prevention course
Homeowners Insurance
Notable Laws
- ORC § 3937.28 - Cancellation notice requirements (10 days for nonpayment, 60 days for other grounds)
- ORC §§ 3929.50-3929.61 - Ohio FAIR Plan for property insurance in high-risk areas
- OAC Rule 3901-1-18 - Ohio FAIR Plan operation and member insurer obligations
- ORC § 3937.25 - Specified grounds for cancellation or nonrenewal of casualty insurance
- ORC § 3901.21 - Prohibition of unfair and deceptive acts or practices in insurance
Recent Bulletins
Implementation of HB 229 - PBM Licensing Requirements
Provides guidance for pharmacy benefit managers on new licensing requirements under House Bill 229, including application procedures, fees, and compliance deadlines for the new PBM regulatory framework effective July 1, 2026.
View bulletinHealth Insurance Prior Authorization Standards Under HB 220
Clarifies prior authorization requirements for health insurers and Medicaid managed care plans following passage of House Bill 220, including prohibition on fees for appeals and streamlined decision timelines.
View bulletinACA Compliant Form Filing Guidance for Plan Year 2026
Provides health plan issuers with information regarding form content requirements and relevant statutes, rules, and bulletins for ACA-compliant plans offered on the federal exchange for plan year 2026.
View bulletinInformation Security Program Requirements Reminder
Reminds licensees of ongoing obligations under Ohio's insurance data security law to maintain comprehensive information security programs, conduct risk assessments, and report cybersecurity events to the Superintendent.
View bulletinBWC Premium Rate Reduction for Private Employers
Announces Ohio Bureau of Workers' Compensation Board of Directors' approval of premium rate reduction averaging 1% for private employers, effective July 1, 2024, resulting in estimated savings of $25 million annually.
View bulletinRecent Law Changes
Insurance Transactions, Plans, and Policies Modernization
Modernizes Ohio's insurance statutes including clarifying signature requirements on insurance documents, updating insurance transaction provisions, extending timeframes for towing services from 30 to 45 days for insurance companies to file civil actions, and streamlining various administrative processes.
Affects all insurers operating in Ohio by modernizing various insurance code provisions and reducing administrative burdens.
Effective: 2026-06-25
Pharmacy Benefit Manager Licensing and Regulation
Establishes a stand-alone licensing process and new contractual requirements for pharmacy benefit managers (PBMs), placing them in a dedicated chapter of Ohio's Insurance Code with regulatory oversight by the Ohio Department of Insurance, enhancing transparency in prescription drug pricing, and protecting independent pharmacies.
Affects health insurers, PBMs, and pharmacies by requiring PBM licensing and increasing transparency in prescription drug benefit management.
Effective: 2026-07-01
Prior Authorization Reform
Reforms health insurance and Medicaid prior authorization requirements to reduce delays and improve patient care by streamlining the prior authorization process, prohibiting fees for appeals, establishing electronic prior authorization standards, and creating accountability measures for insurers.
Affects health insurers and healthcare providers by reducing administrative burdens and improving timely patient access to necessary medical care.
Effective: 2025-12-01
Health Care Sharing Ministries Freedom to Share Act
Clarifies that health care sharing ministries are not insurance businesses and exempts them from insurance regulations under Title 39 of the Ohio Revised Code, while establishing disclosure requirements, consumer protections, and operational standards for these faith-based cost-sharing organizations.
Affects health care sharing ministry organizations and their members by providing regulatory clarity and ensuring consumer disclosure protections.
Effective: 2026-02-19
Insurance-Related Budget Provisions
Ohio's biennial budget bill for fiscal years 2026-2027 included various insurance-related provisions affecting department operations, licensing requirements, regulatory oversight authority, and funding for consumer protection programs.
Affects Ohio Department of Insurance operations and regulatory authority across multiple insurance lines through funding and statutory changes.
Effective: 2025-09-30
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Health, life, workers comp, commercial lines, compliance penalties, rate filing requirements, and real-time DOI monitoring for all 51 jurisdictions.
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