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Bill

HD 2244

An Act relative to insurance surcharges

194th Legislature (2025-2026) Introduced by Kim Ferguson and 5 co-sponsors

Massachusetts bill regulating insurance surcharge limits, allowable reasons, and transparency requirements to control premium increases on existing policyholders.

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WeVote Research Nonpartisan
Bill Summary · HD 2244

Legislative bill overview

HD 2244 would regulate how insurance companies can apply surcharges to policyholders' premiums in Massachusetts. The bill likely establishes limits on surcharge amounts, defines allowable reasons for surcharges, and creates transparency requirements for insurers to disclose surcharge justifications to consumers. These provisions would apply across multiple insurance lines, including auto, home, and potentially health insurance.

Why is this important

Insurance surcharges can significantly increase premiums for certain drivers or policyholders, sometimes doubling or tripling costs based on factors like accidents, violations, or claims history. Regulating surcharges affects affordability and access to insurance for millions of Massachusetts residents while also influencing insurer business practices and profitability. Clear surcharge rules provide consumer protection while potentially impacting insurance market competition and premium pricing strategies.

Potential points of contention

  • Consumer vs. insurer interests: Strict surcharge limits may protect vulnerable consumers but could increase pressure on insurers to raise baseline premiums for all customers, shifting costs rather than reducing them
  • Risk assessment methodology: Disagreement over which factors should justify surcharges (accident history, credit score, claims frequency) and whether surcharge amounts accurately reflect actual risk
  • Market competitiveness: Regulations may disadvantage smaller insurers less able to absorb costs, potentially reducing competition and consumer choice

Compiled from official sources — confirm details with the bill’s official record.

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