The following statements are about market conduct examinations of health plans.

Multistate examinations are not appropriate for financial examinations, because regulatory requirements concerning a health plan's financial condition tend to vary from state to state.

Market conduct examinations of a health plan's advertising and sales materials include comparing the advertising materials to the policies they advertise.

Once an examination report is provided to the state insurance department, a health plan is not given an opportunity to present a formal objection to the report.

In imposing sanctions on health plans, state insurance departments are required to follow federal sentencing guidelines.