Requires changes to health insurance rates, or anything else affecting the charges associated with health insurance, to be approved by Insurance Commissioner before taking effect.

Provides for public notice, disclosure, and hearing on health insurance rate changes, and subsequent judicial review.

Requires sworn statement by health insurer as to accuracy of information submitted to Insurance Commissioner to justify rate changes.

Does not apply to employer large group health plans.

Prohibits health, auto, and homeowners insurers from determining policy eligibility or rates based on lack of prior coverage or credit history.