# Insurance (GIN)

## Title 15. Health Insurance

### Subtitle 13. Maryland Health Insurance Portability and Accountability Act -- Individual Market Reforms

#### Section 15-1307

(a) The actuarial value of benefits provided under individual health insurance coverage shall be calculated based on a standardized population and a set of standardized utilization and cost factors.

(b) A carrier shall submit any information the Commissioner may require to support and justify the carrier's calculations of actuarial values.

---

Md. Code Ann., Ins. (as displayed at mgaleg.maryland.gov, October 16, 2026)