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Read. Follow. Verify.Georgia House Bill 902 Imposes Stricter Oversight and Transparency Requirements on Insurance Rate Increases
Last action · January 12, 2026: House Second ReadersSponsors: Todd Jones and 4 others
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What This Bill Proposed
Georgia House Bill 902 requires mandatory financial and s for insurance rate increases of 10 percent or more within a 12-month period, blocks rate implementations during such reviews, and mandates online publication of rate data by both the Insurance Commissioner and insurance companies starting July 1, 2026.
Insurance policyholders across Georgia face new regulatory reviews whenever companies propose major rate hikes, while insurers must publish annual rate adjustments directly on their websites for public inspection.
- House Bill 902 amends Title 33 of the Official Code of Georgia Annotated relating to insurance rate regulation and tort reform data analysis. context
- The Georgia General Assembly regularly reviews insurance statutes to ensure consumer protection and market stability. context
Who It Would Have Affected
Groups the bill's text would have affected, as described in the record. Being affected is not a position for or against it.
domestic, foreign, or alien insurers
Insurers must submit to mandatory financial and market conduct examinations for rate hikes exceeding certain thresholds, halt rate implementations during reviews, and publish annual rate increase data on their websites.
insurance policyholders, families, small businesses, and commercial enterprises
Policyholders gain access to public rate increase data on department and insurer websites, and benefit from mandatory public hearings and transparent actuarial reviews of major rate hikes.
Insurance Commissioner
The Commissioner is tasked with conducting mandatory examinations and public hearings, maintaining an online rate increase database, and submitting extended tort reform reports to legislative committees.
Key Facts
- Any rate increase of 10 percent or more within any 12-month period and any filing for a rate increase two or more times within any 24-month period is legally presumed to be excessive.
- The Commissioner must order a financial and market conduct examination when an insurer files an overall rate increase of 10 percent or more within a 12-month period or files for an increase more than two times within 24 months.
- Insurers are prohibited from putting filed rates into effect until the required examination has been reviewed and certified by the Commissioner as complete.
- Examinations conducted by the Commissioner must be reviewed and certified within 45 days, with a possible single 45-day extension upon an affirmative finding.
Show all 10 facts
- The Commissioner must conduct a public hearing within 30 days of completing any examination, with subpoena powers and the authority to demand detailed actuarial reports and expense breakdowns.
- Beginning July 1, 2026, the Commissioner must maintain a readily accessible, online database of insurance rate increases categorized by line of insurance and insurer.
- Beginning July 1, 2026, all authorized insurers must publish their own rate increases on their websites based on data from January 1, 2019, onward.
- The deadline for the Commissioner to request tort reform data from insurers and state agencies is extended from July 1, 2029, to July 1, 2035.
- The deadline for submitting the subsequent report on tort reform and insurer data to legislative committees and the Governor's Office is set for no later than November 1, 2029.
- The statutory chapter concerning data analysis for tort reform is extended and set to be repealed in its entirety on January 1, 2036 instead of January 1, 2030.
Frequently Asked Questions
What triggers a mandatory financial and market conduct examination under this bill?
When do insurance companies have to start publishing rate increases on their websites?
Are insurers allowed to implement rate increases while an examination is ongoing?
What else do you want to know?
News Coverage
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Votes, people, money & the original sourceWhere This Stands
This bill did not become law - Died at adjournment · introduced in the House.
Procedural history
3 actions- Jan 12, 2026HouseHouse Second Readers
- Apr 4, 2025HouseIntroducedHouse First Readers
- Apr 2, 2025HouseIntroducedHouse Hopper
Version history
Only one version on file - nothing to compare yet. As later stages (committee substitute, engrossed, enrolled) are captured, the redline appears here.
View official text →Lobbying Activity
No state lobbying filings in our records match this bill. Federal lobbying reports (LDA) cover Congress, so they are not listed on state bills.
Full breakdown
Who this bill affects and the strongest case for and against it, written only from the bill’s own text.
Sponsors
Discoveries
Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.
Extended Tort Reform Data Collection
The legislation extends the timeline for data collection and reporting on tort reform impacts by six years, moving the final report deadline to November 1, 2029, and the chapter repeal date to January 1, 2036.
Connected Entities
Sources
www.legis.ga.gov
Analysis Score
0–100- Significance20Lowered because this bill did not pass (its text scored 80)
- Controversy45Intensity of disagreement among stakeholders
- Entertainment10Compellingness for a non-policy-wonk reader
- Buzz30Current news / social attention level
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