Nevada Division of Insurance

Nevada Consumers Encouraged to View and Compare Health Insurance Plans and Rates for Plan Year 2023

In preparation for Open Enrollment next month, the Nevada Division of Insurance has made public the approved health insurance rates for consumers who shop on the individual health insurance market, both on and off the Silver State Health Insurance Exchange (Exchange), which is the state agency that oversees and connects eligible Nevada residents to affordable health and dental plans through Nevada Health Link. Read More

Special Open Enrollment Period for Nevada Salvasen Health and Triada Consumers

The Nevada Division of Insurance and the Silver State Health Insurance Exchange, the state agency responsible for connecting Nevadans to qualified health plans through the online health insurance marketplace, Nevada Health Link, are notifying Nevada residents that products/plans offered through Salvasen Health and Triada are terminating as of March 31, 2022.

New Annual Open Enrollment Period for Nevada Medicare Supplement Policyholders

Nevada Medicare Supplement policyholders can annually shop and switch to another Medicare Supplement policy sold in this state, starting on January 1, 2022.

Division of Insurance announces approved health insurance plans and rates for the individual health insurance market

The Nevada Division of Insurance has made public the approved health insurance rates for consumers who shop on the individual health insurance market, both on and off the Silver State Health Insurance Exchange (Exchange), the state agency that oversees Nevada Health Link.

Steps Nevada consumers can take during a wildfire

The Nevada Division of Insurance is sharing the following steps Nevada consumers can take immediately to protect their home in the event of any fire damages or loss.

Construction Cost Spikes May Impact Home Insurance Coverage

With the increased threat of wildfire in Nevada and the rise of construction costs around the country, it is important that consumers review and understand the type of home insurance coverage they have so that they know how their insurance company will pay a claim in the event of a loss.

Nevada’s Consumers get First Look at 2022 Proposed Health Insurance Rate Changes

Nevada consumers who shop on the individual health insurance market can view requested rate changes from health insurance companies interested in participating in the individual health insurance market for Plan year 2022 (PY22).

Division of Insurance offers tips before purchasing a service contract

As we approach the summertime and with temperatures rising, many Nevadans may be in the market for appliances like an air conditioning (AC) unit. Before consumers buy a service contract for any big-ticket items, whether it be an AC unit, a refrigerator, or a car, consumers should be aware of some important facts.

Nevadan's Warned About Deceiving Discount Insurance Plans, Credit Repair Scams

Nevada Attorney General Aaron D. Ford, in partnership with the Nevada Division of Insurance, encouraged Nevadans to stay vigilant as scammers attempt to take advantage of struggling individuals and businesses during the COVID-19 pandemic.

Consumer Alert: New health insurance opportunities available at lower or no cost for Nevadans

The Division encourages all Nevadans to take advantage of the new saving opportunities offered by the American Rescue Plan Act of 2021 (“ARPA”). The ARPA, enacted earlier this month, creates more opportunities for Nevadans to save on health insurance coverage.

Consumer Alert: Be Aware of Wildlife on the Road

The Division is reminding consumers to be alert when driving to avoid wildlife collisions during the springtime when certain animals migrate in search of food after the winter months.

COVID-19 vaccine will be available at no cost for Nevadans

State agencies and medical providers will be updating communities statewide about how, where and when a COVID-19 vaccine will be available. Medicaid, the Health Exchange, and DOI have provided the information below on how each type of patient will be covered if getting the vaccine.

Division of Insurance offers resources for homeowners affected by the Pinehaven Fire

For any questions about the coverages in the policy, or if help is needed with a problem regarding a claim following a fire or other loss of a home, contact the Division at cscc@doi.nv.gov or call (888) 872-3234.

Nevada Consumers Encouraged to View Health Insurance Plans and Rates for 2021

The Division of Insurance (“Division”) posted final approved health insurance rates on its website at healthrates.doi.nv.gov.

REMINDER: health insurance covers the cost of testing in Nevada

Consumers who purchased health insurance coverage on their own through the individual health insurance market such as Nevada Health Link or have coverage sponsored by their employers on the small or large groups markets are able to obtain free testing for COVID-19.

Proposed rate change averages for health insurance are available to the public for review-

The Nevada Division of Insurance has received and made public rate information from health insurance companies interested in participating in the individual health insurance market for Plan Year 2021

Division of Insurance offers tips on how consumers can protect their assets from wildfires

In the past few weeks, Nevada experienced significant wildfires ranging from the Poeville Fire in Washoe County to the Mahogany Fire in Mt. Charleston. With fires in mind, the Division reminds Nevadans to take action to protect their assets from disasters such as wildfires.

Nevadans to Receive Premium Relief Refunds for Auto Insurance Policies

There is good news for Nevada drivers as many will receive premium refunds for their auto insurance policies as a result of less claims being paid as Nevadans continue to “Stay Home for Nevada”.

Nevada Division of Insurance offices are closed to walk in traffic until further notice

Due to COVID-19 and for everyone’s safety, Division's offices in Carson City and Las Vegas are closed to walk in traffic, however the Division is still serving consumers. Consumers, licensees, and the general public are encouraged to contact the Division for essential services via online, telephone and by email.

COVID-19 and Nevada's Health Insurance; Division of Insurance Issues Guidance for Consumers

With the growing concern about COVID-19 in Nevada, consumers may have questions regarding their health insurance, which is why the Division of Insurance (“Division”) has posted valuable information on its website about how health insurance coverage is affected by COVID-19.

Some consumers may not be eligible for Medicare Supplement plans in 2020 due to some changes in the law

Medicare Supplement plans C and F, also known as Medigap C and F, are no longer available to newly eligible consumers, as of January 1, 2020.

Don’t be fooled by claims of ACA- compliant “look-alike” health insurance products

Open Enrollment is coming to an end on Sunday, and some consumers may find themselves pressured to enroll in health insurance before the deadline, making it easy to fall for misleading marketing practices from entities mimicking health insurance, such as plans offered by health care sharing programs or ministries (“HCSM”).

Nevada Division of Insurance reveals approved 2020 Health Insurance Rates

The Division of Insurance (‘Division”) has posted the approved 2020 health insurance rates for all plans in the Individual Health Insurance Market and encourages consumers to review this information.

Consumer Alert: Insurance Protection Scam

The Division was alerted by the California Department of Insurance of a national insurance scam targeting consumers shopping for privately funded loans, usually for real estate transactions.

Proposed rate change averages for health insurance are available to the public for review

Consumers who shop for health insurance in the individual market, can now view new rate information for Plan Year 2020.

CONSUMER ALERT: Division of Insurance offers tips for earthquake insurance

With the amount of seismic activity recently, including two significant earthquakes in California that were also felt by residents in Las Vegas, the Division encourages consumers to be proactive and learn more about earthquake insurance.

Division provides clarification regarding the sale of Association Health Plans

With the new rule, the DOL extended the eligibility for AHPs, with eligibility under the new rule known as Pathway II. AHPs eligible under the prior rule are known as Pathway I. Pathway II AHPs are the ones that are affected.

Statement from Commissioner Richardson regarding Association Health Plans

Commissioner issued the following statement regarding the Department of Labor’s (“DOL”) decision to appeal but not to seek a stay of the order of the U.S. District Court for the District of Columbia in New York v. U.S. Department of Labor.

Are your home and belongings covered against flood damages?

Consumers are encouraged every year to act before disaster strikes and review their homeowner or renter’s insurance policies to determine if they need to purchase flood insurance coverage as homeowner or renters polices do not include coverage from flood damage.

Statement from Commissioner Richardson

Insurance Commissioner Barbara Richardson issued the following statement regarding the recent findings of the U.S. District Court for the District of Columbia in New York v. U.S. Department of Labor, challenging the recent Association Health Plan (AHP) final rules issued in June 2018.

Consumer Alert: Division warns Nevadans about Multiple Employer Welfare Arrangement (MEWA)

Be on the lookout for a failed Multiple Employer Welfare Arrangement also known as (MEWA) sold to hundreds of employers nationwide as AEU Holdings LLC Employee Benefit Plan. Read More

Commissioner Approves Significant Workers’ Compensation Loss-Cost and Assigned-Risk Rate Decreases

There is good news for Nevada employers as most of them may see lower premiums as a result of decreases in workers’ compensation voluntary insurance loss-costs and assigned-risk market rates.

Special Enrollment Periods available for some Nevada consumers

Anthem plans purchased before March 23, 2010, also known as a Grandfathered plans will no longer be available after December 31, 2018. Consumers who were enrolled in such plans qualify for a Special Enrollment Period

Consumer Alert: Division warns consumers of telemarketers deceiving discount plans as comprehensive health insurance

These entities are reaching out to consumers via robo calls and luring them through websites with misleading website names that appear similar to legitimate websites. This can be confusing for anyone not familiar with the legitimate webpages.

Insurance Commissioner Richardson accepts recommendation for Network Adequacy

The Council recommended splitting Mental Health providers and having separate requirements for Psychiatry, Psychology, and LCSW (Licensed Clinical Social Workers).

Approved 2019 Health Insurance Rates are Now Available to the Public to Review

For 2019 there are a total of 7 insurance companies offering plans on and off the Exchange in the individual market in Nevada. The approved average rate change in the individual market, both on and off Exchange, is 0.3%.

Division receives additional Association Health Plan Filings for several Chambers of Commerce in Nevada

The Division has received fully-insured Association Health Plan (AHP) filings for the Reno Sparks Northern Nevada’s Chamber of Commerce and the Las Vegas Metro Chamber of Commerce.

Division of Insurance receives Association Health Plan Filing for Chamber of Commerce

After the Department of Labor issued the final rule on Association Health Plans in June, the Nevada Division of Insurance has received the first fully-insured Association Health Plan (AHP) filing for the Henderson, Boulder City and Latin Chambers of Commerce in Nevada.

The Division of Insurance has posted proposed rate changes for the individual health insurance market

The average proposed rate change for the individual market on Exchange is an increase of 1.9% while in the off-exchange market, the average proposed rate change is 3.1%

It takes a village to decrease wildfire threat to your property

The most recent wildfire in Northern Nevada’s Lyon County near Dayton that burned more than 3,000 acres was a good reminder that wildfire season is upon us and we need to be prepared. For this reason it is important to mitigate now to reduce the possibility of fire-related property damages.

CONSUMER ALERT: Division of Insurance issues alert on new minimum vehicle liability insurance coverage

As of July 1, 2018, all consumers who have the current minimum protection levels of $15,000 per person for bodily injury, $30,000 per accident for bodily injury, and $10,000 per accident for property damage, often referred to as 15/30/10 will need to purchase higher limits of (“25/50/20”).

Nevada Insurance Commissioner Approves Combination of Filings for Moderate Workers’ Compensation Loss-Cost and Assigned-Risk Rate Changes

Commissioner Barbara D. Richardson approved two filings from the National Council on Compensation Insurance (“NCCI”).

Nevada Division of Insurance named 2017 Business and Industry Agency of the Year

Nevada Department of Business and Industry Director C.J. Manthe announced that the Nevada Division of Insurance has been named the Department’s 2017 Agency of the Year.

Nevada Division of Insurance is seeking new member for the Commissioner’s Network Adequacy Advisory Council

The Nevada Division of Insurance is currently accepting applications for individuals to represent consumers or consumer groups to fill a recent vacancy on the Network Adequacy Advisory Council.

Some Nevada consumers may still be able to purchase health insurance after Open Enrollment

Consumers who lost their insurance coverage on December 31, 2017, because their plan is no longer being offered this year can still purchase a plan up until March 1, 2018, if they haven’t purchased a policy already.

Short-term Medical Policies

Policies such as short-term plans may not be compliant with the ACA and may result in paying a penalty unless you also purchase a qualified health plan.

Consumers should still be alert for flood- damaged vehicles when purchasing used cars in Nevada

Even though it has been several months since Hurricanes Irma and Harvey devastated Texas and Florida, there were thousands of vehicles that were damaged in the two storms. Some of these vehicles may be making their way to Nevada.

AS HEALTH INSURANCE OPEN ENROLLMENT PERIOD BEGINS, NEVADA DIVISION OF INSURANCE ENCOURAGES CONSUMERS TO CUT THROUGH THE CLUTTER

To help make the most informed decisions possible, the Nevada Division of Insurance encourages consumers to streamline their health insurance research process.

Approved 2018 Health Insurance Rates are Now Available to the Public

The Division of Insurance has posted the approved 2018 health insurance rates for all plans in the Individual and Small group markets on and off the Exchange at healthrates.doi.nv.gov.

Proposed Emergency Regulation for employee assistance programs

This regulation allows for additional counseling services for employees and family members provided by the employee assistance programs ("EAPs"). Click here to view the proposed regulation.

Centene Corporation Offers On-Exchange Plans for 14 Bare Counties in Nevada

Governor Brian Sandoval announced that the Missouri-based Centene Corporation, also known as SilverSummit in Nevada, will be offering health insurance coverage to all Nevada residents

Statement from Commissioner Richardson on Anthem withdrawing from Nevada’s Exchange for Plan Year 2018

Insurance Commissioner Barbara Richardson issued the following statement in response to a request by Anthem under Nevada Revised Statute 679B.190(5)(b) regarding Anthem’s announcement that it will be withdrawing plans from Nevada’s Exchange in 2018.

New DriveCheck assessment from NAIC helps Nevada’s consumers determine if usage-based auto insurance is a fit

The National Association of Insurance Commissioners (NAIC) launched a new tool called DriveCheck to help consumers determine if usage-based insurance (UBI) may fit their driving habits.

Division cautions Nevadans of Secure Home Warranty; an unregistered service contract provider

The Division of Insurance warns Nevada consumers to avoid conducting business with Secure Home Warranty. The Division issued a Cease and Desist Order to Secure Home Warranty for conducting business without a registration in Nevada as a service contract provider.

Summary of Proposed health insurance rate changes for Exchange carriers are now available to the public on the Division’s website

To view a Plan Year 2018 Nevada's On Exchange Filing Summary please click here.

Statement from Commissioner Richardson on 14 Nevada counties not having access to Qualified Health Plans

“The Division is disappointed and concerned that Nevadans in 14 out of the state’s 17 counties will not have access in 2018 to subsidies and cost sharing assistance provided under the Affordable Care Act. Four carriers have applied to offer plans on the Exchange in Clark, Washoe and Nye counties,” said Commissioner Richardson.

Changing weather patterns mean homeowners need to rethink insurance risks

With natural disasters on the rise¹, the NAIC urges consumers to consider their insurance risks and understand what is and is not covered in their current policies.

Penn Treaty Network America Insurance Company is in Liquidation

On March 1, 2017, Penn Treaty Network America Insurance Company was placed into liquidation receivership. Penn Treaty marketed long-term care insurance nationwide. If you believe you have a claim against Penn Treaty, you must file a Proof of Claim in the receivership by August 31, 2017. Learn more about the receivership and how to file a Proof of Claim.

Long-Term Care Insurance Forum Video Available Online

The Division of Insurance hosted a Long-Term Care Insurance Forum. The presentation and materials presented are available on the Division’s website.

WE MOVED! Parking Directions in our new office in Las Vegas

Our office in Las Vegas relocated to 3300 W. Sahara Ave., Suite 275. Please see the directions to parking garage access.

Division of Insurance to Host Free Forum to Educate Consumers on Long-Term Care Insurance

The Division of Insurance is excited to announce the Long-Term Care Insurance Forum for Nevada consumers interested in learning more about long-term care products. This event is free and open to the public.

Attention: Our office is relocating!

The Division in Las Vegas is relocating to 3300 W. Sahara Ave., Suite 275. The 2501 E. Sahara Ave., Ste. 302, office will be closed as of 5:00pm, Tuesday, March 14, 2017. Normal business operations will resume at our new office beginning 8:00am on Monday, March 20, 2017.

Nevada Insurance Commissioner Approves Largest Workers’ Compensation Loss-Cost Decrease since 2004, Largest Assigned-Risk Rate Decrease Ever

There is good news for Nevada employers as most of them may see lower premiums as a result of decreases in workers’ compensation voluntary insurance loss-costs and assigned-risk market rates.

The Open Enrollment Period is coming to end January 31, 2017

Consumers who enroll and pay for a health insurance plan by January 15, 2017, will have coverage effective February 1, 2017. Consumers who enroll between January 16, 2017, and January 31, 2017, which is the end of the open enrollment period, will not have coverage until March 1, 2017.

Division of Insurance, NAIC Launch Nationwide Life Insurance Policy Locator Tool to help consumers find lost life insurance policies, annuities

The Nevada Division of Insurance and the National Association of Insurance Commissioners (NAIC) announced a national service that provides consumers with search capabilities to help find a deceased person’s lost life insurance policies and annuities.

Commissioner’s Agents Advisory Council

Insurance Commissioner Barbara D. Richardson has announced her intention to create the Agent’s Advisory Council for the State of Nevada. This Council will be made up of Nevada licensed resident producers of insurance, for the purpose of advising the Commissioner on producer and consumer issues facing our state.

Division Encourages Consumers to Utilize Free Resources to Shop for Health Insurance

To help consumers during Open Enrollment make more informed decisions, the Division brought back NVinsurance101.com

Nevada Health CO-OP Placed in Liquidation, Claims Filing Deadline & Procedures Established by Court

On September 20, 2016, Nevada Health CO-OP (“NHC”) was declared insolvent and ordered into liquidation receivership by the Eighth Judicial District Court in Clark County (the “Court”) after it was shown that there is no reasonable probability that NHC’s hazardous financial condition will improve for NHC to resume operations or meet its obligations.

Commissioner Richardson accepts recommendation for Network Adequacy

Commissioner Barbara Richardson officially accepted the Network Adequacy Advisory Council’s recommendation for the establishment of additional standards to use in evaluating each health benefit plan network for Plan Year 2018.

Division of Insurance announces new Medicare Supplement Rate Lookup Tool available online

The Nevada Division of Insurance is excited to announce the launch of its new Medicare Supplement Rate Lookup Tool available on its website.

Division of Insurance offers tips for homeowners affected by the Little Valley Fire

In the aftermath of the Little Valley Fire that destroyed 23 homes and 17 outbuildings, Insurance Commissioner Barbara Richardson urges affected homeowners to be vigilant of fraudsters trying to take advantage during this devastating time. Any consumers affected are encouraged to contact the Division of Insurance if they have questions about insurance or need assistance with their insurance claims.

Approved 2017 Health Insurance Rates are Now Available Online

Nevadans who purchase health insurance on their own or as a small business can now view prices for the approved 2017 health insurance plans online by visiting healthrates.doi.nv.gov.

Council Voted on Recommendations for Plan Year 2018 Network Adequacy Standards in Nevada

The Commissioner’s Network Adequacy Advisory Council conducted its last meeting for plan year 2018 on Monday, September 12, 2016, at 10 a.m. PST. The Council will be finalizing and approving the recommended additional or alternative standards to determine whether a network plan is adequate.

Second Network Adequacy Advisory Council meeting was held on July 22, 2016

The Commissioner’s Network Adequacy Advisory Council will conduct its next meeting on Friday, July 22, 2016, at 10 a.m. PST. This is the second meeting in a series of public meetings being held at the Nevada Division of Insurance.

Division of Insurance launches digital campaign to encourage consumers to be more involved in the health insurance rate review process

The Nevada Division of Insurance is pleased to announce the launch of its “Proposed Rates” digital campaign encouraging Nevadans to review and comment on the proposed health insurance rates for 2017.

The Commissioner’s Network Adequacy Advisory Council to Conduct First Public Meeting

This Council was created under the Network Adequacy Regulation R049-14 to recommend additional standards for determining whether a network plan is adequate. Council recommendations must be provided to the Commissioner on or before September 15, 2016; this meeting will begin that process.

Take action and reduce wildfire threat to your property

The National Weather Service recently issued a Red Flag Warning lasting 2 days, which means there is an increased threat for wildfires. The good news is that you as a homeowner can begin now, before a wildfire starts, to protect your home by decreasing the possibility of your home being engulfed in flames.

Auto Insurance 101 for Teen Drivers

Your kid has just obtained a driver’s license, now what? Before you hand the keys to your teen to drive themselves to school, the Division of Insurance encourages parents to review the tips and tools found on the National Association of Insurance Commissioners (NAIC) Insurance 101 for ParentsTeen Drivers website

The DOI encourages consumers to consider flood insurance now before disaster strikes.

Nevada is notorious for experiencing flash floods. Recent rain caused severe flash flooding in Nevada, especially in the Las Vegas area where several homes and businesses suffered damages.

Transportation Network Companies and Auto Insurance FAQs

If you have questions about Transportation Network Companies (TNC) and Auto Insurance please click here.

Nevada Insurance Commissioner Approves Largest Workers’ Compensation Loss-Cost and Rate Decrease Since 2010

There is good news for Nevada employers as Acting Commissioner Amy L. Parks approved a filing from the National Council on Compensation Insurance (“NCCI”) for an average decrease of 5.5 percent for Nevada workers’ compensation voluntary insurance loss costs.

Barbara Richardson appointed as Nevada Insurance Commissioner

Department of Business and Industry Director Bruce Breslow today announced that Barbara Richardson has been appointed as Commissioner of the Nevada Division of Insurance. Ms. Richardson will join the Division in March. Read More

Miembros actuales del CO-OP califican para una Periodo de Inscripcion Especial

Si aún no se ha inscrito en una nueva póliza para el año 2016, y le gustaría tener cobertura médica efectiva el 1 de enero, 2016, tiene hasta el 31 de diciembre, 2015.

Current CO-OP Members qualify for a Special Enrollment Period to enroll and pay for a 2016 Health Insurance Plan

Current CO-OP members who have not enrolled in a new plan for 2016, and would like to have coverage effective January 1, 2016, have until December 31, 2015 to enroll in a new plan and pay their first month of premium.

Consumers given additional 48 hours to enroll in health insurance plans that start on Jan. 1, 2016

Due to an unprecedented demand and volume of incoming consumer calls to Exchange call centers and their websites, the U.S. Department of Health and Human Services announced late Tuesday, Dec. 15, that the deadline to sign up for Jan. 1^st coverage is now extended until 11:59 p.m. PST on Thursday, Dec. 17.

Enroll in a health insurance plan before December 15, 2015 to avoid a gap in coverage

Consumers need to enroll in a 2016 health insurance policy by December 15, 2015 if they wish to have coverage starting on January 1, 2016.

Cuarta Semana: Como obtener Más Por Su Dinero

La semana pasada, la Division de Seguros proveo información sobre el proceso del Periodo de Inscripciones. El mensaje de esta semana contiene consejos sobre cómo obtener más por su dinero.

Week 4 of the Fall Health Insurance Campaign: How To Get More Bang For Your Buck

Last week, the Division of Insurance provided information about the Open Enrollment process. This week’s message contains tips on how to get more “bang for your buck.”

Tercera Semana: Periodo de Inscripciones

El periodo de inscripciones inicia oficialmente el domingo, primero de Noviembre hasta el 31 de Enero del 2016.

Week 3 of the Fall Health Insurance Campaign: Open Enrollment: Who, What, Where, Why

Last week, the Division provided millennials with information on why they should consider purchasing a health insurance policy. This week’s message is information on the open enrollment process.

Segunda Semana: Lo que todo joven milenio debe saber sobre los seguros médicos

Los consumidores entre 18 y 34 años de edad son considerados jóvenes milenios o invencibles, un grupo que según algunos expertos aseguran no están obteniendo un seguro médico. Read More

Week 2: What Millennials Need to Know about Health Insurance

Consumers between 18 and 34 years old are considered millennials or young invincibles, a group that some researchers say aren’t getting health insurance. According to a 2014 United States Census report approximately 20% of consumers between the ages of 19 - 25 years old are uninsured in Nevada.

Primera Semana: Términos de Seguro Médico Clave que los Consumidores Deben Saber y Las Herramientas para Comparar los Precios de las Pólizas de Seguro Médico del 2016

La Division de Seguros de Nevada ha creado y tiene disponible en su página web un diccionario con los términos

Week 1: Key Insurance Terms for Consumers to Know and Tools to Compare Costs of 2016 Health Insurance Policies

The Nevada Division of Insurance has developed and makes available on its website a Glossary of Health Insurance Terms. The approved 2016 health insurance rates for individual and small group markets can be viewed by consumers online at healthrates.doi.nv.gov

La División de Seguros de Nevada Lanza la Campaña de Concientización de Seguros Médicos de Otoño

La División de Seguros de Nevada esta emocionado en anunciar el lanzamiento de su campana de Concientización de Seguros Médicos de Otoño. El mes de Octubre es un buen tiempo para comenzar a pensar sobre una póliza de seguro médico para el 2016.

The Nevada Division of Insurance launches its Fall Health Insurance Awareness Campaign

The Nevada Division of Insurance is excited to announce the launch of its Fall Health Insurance Awareness campaign. The month of October is a good time to begin thinking about a 2016 HEALTH INSURANCE POLICY! Open Enrollment is just around the corner starting November 1st and running through January 31st, 2016. That is why the Division of Insurance is officially kicking off a pre-enrollment campaign to turn consumers into insurance experts before Open Enrollment begins.