Which of the following was one of the purposes achieved by NAIC bills introduced after McCarran-Ferguson?

• A. Prior approval of rates
• B. Describe the role of rating organizations
• C. Recommend anti-rebating laws
• D. Explain how to file rates

Answer: (A)

After McCarran-Ferguson, the NAIC focused on strengthening state control over insurance pricing. The primary aim was to secure prior approval of rates, meaning insurers must file proposed rates with the state regulator and obtain approval before they can be used. This gives regulators a gatekeeping role to ensure rates are adequate, not excessive, and not unfairly discriminatory, which helps protect consumers and support insurer solvency. The other options describe aspects related to regulation or filing, but they were not the main objective of the NAIC bills in this context—the emphasis was on getting rates reviewed and approved before they take effect.