Who reviews filed insurance rates under Texas law?

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In Texas, the regulator reviews filed insurance rates. Rates must be filed with the state’s insurance regulator, the Texas Department of Insurance, before they can be used. The regulator evaluates the filings to ensure they comply with Texas law, are actuarially justified, and are not excessive, inadequate, or unfairly discriminatory. Based on the review, the regulator can approve, modify, or disapprove the rates. Consumers don’t review filings directly, and courts only come into play in disputes or enforcement actions.