# Insurance (GIN)

## Title 2. Maryland Insurance Administration

### Subtitle 1. Organization of Administration; General Powers and Duties of Commissioner

#### Section 2-115

(a) The Commissioner shall adopt regulations that may be applied when:

  (1) the Governor has declared a state of emergency for the State or an area within the State under Sec. 14-107 of the Public Safety Article;

  (2) the President of the United States has issued a major disaster or emergency declaration for the State or an area within the State under the federal Stafford Act; or

  (3) a national or public health emergency, that within the Commissioner's discretion affects the State:

    (i) is issued:

      (1) by the President of the United States under Sec. 201, Sec. 202(d), or Sec. 301 of the federal National Emergencies Act; or

      (2) by the Secretary of Health and Human Services under the federal Public Health Service Act; and

    (ii) is based on a serious threat to health resulting from the existence of a deadly agent as defined in Sec. 14-3A-01 of the Public Safety Article.

(b) The regulations may:

  (1) apply to any person regulated by the Commissioner under this article or Title 19, Subtitle 7 of the Health - General Article; and

  (2) address:

    (i) submission of claims or proof of loss;

    (ii) grace periods for payment of premiums and performance of other duties by insureds;

    (iii) temporary postponement of cancellations, nonrenewals, premium increases, or policy modifications;

    (iv) procedures for obtaining nonelective health care services;

    (v) time restrictions for filling or refilling prescription drugs;

    (vi) time frames applicable to an action by the Commissioner under this article; and

    (vii) any other activity necessary to protect the residents of the State.

(c)

  (1) To activate a regulation adopted under this section, the Commissioner shall issue a bulletin specifying:

    (i) that the regulation is activated;

    (ii) the line or lines of business to which the regulation applies;

    (iii) the geographic areas to which the regulation applies; and

    (iv) the period of time for which the regulation applies.

  (2)

    (i) Except as provided under subparagraph (ii) of this paragraph, a regulation activated under paragraph (1) of this subsection may not apply beyond the duration of, or the geographical area included within, the Governor's or President's declaration of a state of emergency or disaster.

    (ii) A regulation activated under paragraph (1) of this subsection in response to a national or public health emergency described in subsection (a)(3) of this section may not apply beyond the duration of the President's or Secretary of Health and Human Services' declaration of a national or public health emergency.

  (3) The Commissioner:

    (i) shall provide a copy of the bulletin to the emergency contact designated by the person subject to the bulletin; and

    (ii) may post a copy of the bulletin on the Administration's website.

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