State RegulationsMA specificDifficulty 1/5
Which authority governs advertising for individual accident and health insurance in Massachusetts?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Advertising of individual accident and health insurance is governed by M.G.L. c. 175, § 110E, implemented through 211 CMR 42.09, which the Massachusetts Division of Insurance enforces. These rules require that advertisements not be misleading and that they accurately present the coverage being sold. Federal health-care programs name federal frameworks, but the advertising standard a Massachusetts producer must follow for an individual health policy is the state statute and its Division of Insurance regulation.
Why the other options are wrong
- B) Federal programs operate alongside state regulation; the enforceable advertising standard for individual Massachusetts health policies is 211 CMR 42.09 and M.G.L. c. 175, § 110E.
- C) Advertising is not left to each insurer's discretion; the Massachusetts Division of Insurance imposes binding standards through 211 CMR 42.09.
- D) Municipal ordinances do not set insurance advertising standards; that power rests with the state statute and the Massachusetts Division of Insurance.
Memory hook
Health ads answer to 211 CMR 42.09 and M.G.L. c. 175, § 110E — the Division polices the pitch.