# Insurance (GIN)

## Title 19. Property and Casualty Insurance

### Subtitle 1. General Provisions

#### Section 19-117

(a)

  (1) In this section, "adverse action" includes:

    (i) refusing to renew or execute a contract or agreement with a health care practitioner;

    (ii) making a report or commenting to an appropriate private or governmental entity regarding practices of legally protected health care as defined in Sec. 2-312 of the State Personnel and Pensions Article; and

    (iii) increasing a premium for or making another type of unfavorable change regarding terms of coverage under a medical professional liability insurance contract agreement with a health care practitioner.

  (2) "Adverse action" does not include making a rate filing in accordance with Sec. 11-206 of this article.

(b) An insurer that issues to, delivers to, or renews medical professional liability insurance for a health care practitioner licensed, certified, or otherwise authorized by law to practice in the State may not take adverse action against a health care practitioner in whole or in part because the health care practitioner provides legally protected health care or makes a referral for legally protected health care.

(c) This section does not prohibit the medical professional liability insurer from taking adverse action against a health care practitioner for conduct that would otherwise constitute professional misconduct.

---

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