Welcome to Consumer Reports Advocacy

For 85 years CR has worked for laws and policies that put consumers first. Learn more about CR’s work with policymakers, companies, and consumers to help build a fair and just marketplace at TrustCR.org

Kansas-Rate Review Law

  • Kansas does not have prior approval of individual market rates.
  • Kansas has file and use, requiring insurers to file rates at least 30 days before their effective date. The Kansas Insurance Department can place rates on file or disapprove rates. KSA § 40-2215.
  • Rates may not be unreasonable, excessive, or unfairly discriminatory. KSA § 40-2215(d). Individual market policies must meet minimum loss ratio standards (NAIC). KAR 40-4-1.
  • Kansas does require pooling of closed blocks with appropriate open blocks of business. KSA § 40-2255.
  • Kansas does not publicly disclose rate filings.
  • More information can be found in Kansas’ rate review grant application (PDF).

Information is based on review of state statutes and regulations and in some case, interviews with state insurance departments.