The mission of the Department of Insurance is to serve and protect Idahoans by equitably, effectively and efficiently
administering the Idaho Insurance Code and the International Fire Code.
The department fulfills its mission and duties through an administrative group and two divisions: The Insurance Division
and the State Fire Marshal’s Office. The Insurance Division consists of three regulatory bureaus as indicated below. The
Deputy Director oversees the three bureaus and a technology business analyst position.
Support services are provided by an administrative group reporting to the Director. The responsibilities can be summarized as follows:
- Administration: The Director is responsible for the overall policy direction and management of the Department of
Insurance. The Director’s administration group includes the Deputy Director, the fiscal section, a public information officer
and a human resource specialist for the Department of Insurance. The administration group provides oversight and support to
the Insurance Division and the State Fire Marshal.
- Insurance Division:
- Company Activities Bureau: This bureau monitors the financial condition of all
insurance entities domiciled in the state of Idaho to assure that each complies with Idaho law and that the financial
obligations of the company to its policyholders will be met. The bureau reviews all applications of insurers and
qualifying self-funded healthcare plans seeking to do business in this state to determine eligibility for a certificate
of authority to transact insurance or eligibility for registration as a self-funded healthcare plan. The bureau
also licenses producers and third party administrators.
- Consumer Services Bureau: This bureau researches consumer and industry complaints
and provides assistance to consumers and the insurance industry on matters involving insurance contracts and potential
violations of the insurance code. This bureau is also responsible for investigating criminal and civil violations of
insurance laws, and referring cases involving criminal violations to the Attorney General or appropriate county
prosecutor. Also within this bureau is Idaho’s Senior Health Insurance Benefits Advisors (SHIBA) program which
provides information, counseling and assistance on Medicare coverage issues to Idaho’s senior citizens through a
network of over 100 volunteers and a call center staffed to service our toll-free telephone line.
- Market Oversight Bureau: This bureau reviews insurance policy and self-funded rates and forms. The bureau meets
the effective rate review standards for the individual and small group health insurance markets, retaining state-level
regulatory authority. The bureau supports the Idaho Health Insurance Exchange in fulfilling the plan management
requirements, reviewing and certifying health plans that meet the Qualified Health Plan (QHP) standards. This bureau
also regulates title agencies and performs market conduct analyses and examinations of insurers and self-funded plans
doing business in Idaho.
- State Fire Marshal: The State Fire Marshal’s Office participates in and coordinates an integrated
statewide system designed to protect human life from fire and explosions through fire prevention, investigation and public
education activities. The program involves fire prevention activities, fire/arson investigations, code enforcement and the
operation of the Idaho Fire Incident Reporting System. The State Fire Marshal’s Office provides assistance to local fire
agencies throughout the state.