The Commissioner shall adopt reasonable regulations as necessary to conform Medicare supplement policies and certificates to the requirements of federal law and regulations. The regulations may include, but are not limited to, provisions that: require rate adjustments, credits, or refunds if the Medicare supplement policies or certificates do not meet loss ratio requirements; establish a uniform methodology for calculating and reporting loss ratios; ensure public access to policies, premiums, and loss ratio information of carriers of Medicare supplement insurance; establish a process for approving or disapproving policy forms and certificate forms; and establish a policy for holding public hearings before approval of premium increases and a process for approving or disapproving proposed schedules of premium changes.