Rating organizations may develop and make reference filings containing advisory prospective loss costs. These filings shall contain the statistical data and supporting information, calculations, and assumptions underlying those prospective loss costs. Reference filings shall be filed and become effective in accordance with the provisions of Insurance Article, §§11-206, 11-307, 11-329, and 11-330, Annotated Code of Maryland. An insurer may satisfy its obligation to make rate filings by: Becoming a member of, or a subscriber to, a licensed rating organization which makes reference filings of advisory prospective loss costs; Filing with the Commissioner the information required in Regulation .05 of this chapter; and Authorizing the Commissioner by the filing of a reference filing adoption form, to accept the reference filings on its behalf. The insurer's rates shall be the currently effective prospective loss costs filed by the rating organization, combined with the loss cost adjustments which are filed in accordance with Regulation .05 of this chapter and are in effect for the insurer.